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nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">167</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" 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text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefits paid</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(603)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; 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</td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Change in plan assets</div></td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 30%;"><div style="text-align: left; 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width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actual return on plan assets</div></td><td valign="bottom" style="text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,361</div></td><td valign="bottom" style="text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;790</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; 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margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,375</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 4%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Prior service cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(315)</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,693</div></td><td valign="bottom" style="border-bottom: black 4px double; width: 3%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,018</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; 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font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 3%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 3%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; 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width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Expected return on plan assets</div></td><td valign="bottom" style="text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(673)</div></td><td valign="bottom" style="text-align: right; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(565)</div></td><td valign="bottom" style="text-align: right; 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font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Discount rate</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3.30%</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4.00%</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; 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</td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 8%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.88%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.73%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.75%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.87%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3.04%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2.78%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.96%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;30,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;46,126</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Highest balance at any month-end</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,382</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,338</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;73,220</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Average balance</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,765</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,135</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;32,077</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,478</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average interest rate:</div></td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.84%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.51%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.75%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5.87%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.14%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.95%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">July 12, 2021</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total term loans</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,200</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,000</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2015</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;675</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; 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</td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total borrowed funds</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;66,932</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div></div> 0.028 7500000 2013-05-06 2013-04-28 2021-07-12 2018-07-12 2013-12-02 2013-05-09 2013-05-15 2013-12-05 2017-10-02 2014-01-27 2013-03-31 2013-05-05 2014-04-17 250777000 13602000 10000000 0.0587 0.0096 0.031 0.0087 0.0304 0.0278 0 0.0306 0 0 0.0087 0 0.0352 0.0272 0.028 0.0375 0.0231 0.0226 0.0258 0.0229 0.0352 0.0342 0.0355 0.0272 0.0237 302000 310000 0 55000 16000 22000 16000 6563000 3453000 98000 -58000 670000 0 68000 1475000 -870000 5693000 4928000 784000 523000 95000 96000 733000 90000 323000 330000 528000 544000 2413000 2307000 0 0 358000 348000 2431000 2126000 184000 110000 0 3480000 167000 180000 1361000 790000 0.03 0.03 251000 603000 376000 0.03 0.03 0.03 -45000 0.5 0.3 245000 255000 230000 -380000 1207000 93000 257000 0.075 0.08 0.075 428000 1000000 750000 0.0525 0.033 0.04 0.5 0.7 495000 0.033 0.043 373000 10017000 8387000 9739000 5506000 565000 595000 673000 0.131 0.055 0.054 1 0.062 0.368 0.06 0.104 0.371 0.05 0.349 0.356 1 0.145 344000 363000 402000 8761000 7472000 10519000 0 648000 0 3903000 3058000 575000 3879000 0 1525000 0 648000 564000 436000 3903000 908000 2089000 0 0 0 0 3058000 0 0 0 3121000 0 0 1149000 0 6704000 0 525000 908000 2057000 525000 0 0 0 3121000 3879000 0 1149000 0 1525000 0 564000 8430000 0 244000 181000 289000 342000 330000 328000 -1256000 780000 62000 145000 92000 500000 981000 901000 1046000 1001000 <div style="font-family: 'Times New Roman', Times, serif; 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DEPOSITS</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table shows the breakdown of deposits as of December 31, 2013 and 2012, by deposit type (dollars in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 40%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;2012</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Non-interest-bearing deposits</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,585</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Savings deposits</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;95,678</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;87,836</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Money market deposit accounts</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;85,038</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;83,423</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Certificates of deposit</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;737,096</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Certificates of deposit of $100,000 or more amounted to $117,942,000 and $113,479,000 at December 31, 2013 and 2012, respectively. 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2014</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;133,491</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 20%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2015</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55,317</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 20%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2016</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,051</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 20%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2017</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,955</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 2%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Thereafter</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,222</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 20%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total certificates of deposit</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;266,359</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div></div> 737096000 748316000 215656000 201804000 85038000 83423000 742422000 279865000 750172000 0 481957000 0 268215000 737096000 462557000 748316000 87836000 95678000 649000 598000 606000 469000 428000 420000 7500000 200000 0 200000 0 200000 200000 200000 0 0 200000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Derivative Financial Instruments</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Company entered into an interest rate swap derivative to convert floating-rate debt to fixed-rate debt. This derivative matured in 2013 and was not replaced. The Company's interest rate swap agreement involved an agreement to pay a fixed rate and receive a floating rate, at specified intervals, calculated on an agreed-upon notional amount. The Company's objective in entering into this interest rate financial instrument was to mitigate its exposure to significant unplanned fluctuations in earnings caused by volatility in interest rates. As of December 31, 2012, the derivative instrument entered into was designated as a hedge of underlying exposures. The Company did not use this instrument for trading or speculative purposes.&#160;&#160;Derivative instruments used by the Company involve, to varying degrees, elements of credit risk, in the event a counter party should default, and market risk, as the instruments are subject to interest rate fluctuations. Credit risk is managed through the use of counterparty diversification and monitoring of counterparty financial condition.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">All derivatives are recognized on the balance sheet at their fair value. The derivative entered into by the Company qualified for and was designated as a cash flow hedge. Changes in the fair value of a derivative that is highly effective, and that is designated and qualifies as a cash flow hedge to the extent that the hedge is effective, are recorded in other comprehensive income (loss) until earnings are affected by the variability of cash flows of the hedged transaction (e.g. until periodic settlements of a variable asset or liability are recorded in earnings). Any hedge ineffectiveness (which represents the amount by which the changes in the fair value of the derivative exceed the variability in the cash flows of the forecasted transaction) is recorded in current-period earnings. There was no net gain or loss recognized in earnings related to our derivative instruments during the years ended December 31, 2013, 2012 and 2011.</div></div> 55000 71000 86000 3558000 4601000 3148000 3148000 3558000 4601000 7167000 1138000 -145000 -1023000 -1110000 -28000 0 0 1052000 -7022000 -29000 0 4.16 4.65 4.42 1.12 1.13 1.16 1.10 1.17 1.08 1.23 1.08 4.16 4.65 4.42 1.13 1.08 1.08 1.16 1.10 1.17 1.23 1.12 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Earnings Per Share</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table sets forth the computation of earnings per share.&#160;&#160;Earnings per share calculations give retroactive effect to stock dividends declared by the Company.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2011</div></td></tr><tr><td valign="bottom" style="text-align: right; width: 49%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Basic earnings per share computation:</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$13,375,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$14,215,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$12,832,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,025,315</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,056,078</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,087,221</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Earnings per share &#8211; basic</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$4.42</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4.65</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4.16</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Diluted earnings per share computation:</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$13,375,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$14,215,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$12,832,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,025,315</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; 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width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for dilutive earnings per share</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,026,485</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,057,720</div></td><td valign="bottom" style="border-bottom: black 4px double; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; 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text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.&#160;&#160;These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company&#8217;s entire holdings of a particular financial instrument.&#160;&#160;Because no market exists for a significant portion of the Company&#8217;s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Estimated fair values have been determined by the Company using historical data, as generally provided in the Company&#8217;s regulatory reports, and an estimation methodology suitable for each category of financial instruments. 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; 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width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;political subdivisions</div></td><td valign="bottom" style="text-align: right; 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width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,972</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(42)</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 24%;"><div style="text-align: left; 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Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. 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Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.</div></div> 278000 278000 278000 1458000 1458000 0 1458000 0 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loan Charge-off Policies</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. 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background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">9,541</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">9,541</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; 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text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. 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background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; 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width: 22%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;</font>2012</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 22%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,051</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,164</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Less: accumulated depreciation</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,946</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,643</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Premises and equipment, net</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,521</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; 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CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 29%;"><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(in thousands, except share data)</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Three Months Ended,</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; 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width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,613</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,474</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,361</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,079</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,948</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; 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RELATED PARTY TRANSACTIONS</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Certain executive officers, corporate directors or companies in which they have 10 percent or more beneficial ownership were indebted to the Bank.&#160;&#160;Such loans were made in the ordinary course of business at the Bank&#8217;s normal credit terms and do not present more than a normal risk of collection.&#160;&#160;A summary of loan activity for the years ended December 31, 2013 and 2012 with officers, directors, stockholders and associates of such persons is listed below (in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 30%; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="top" style="width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Securities available for sale:</div></td><td align="left" valign="bottom" style="width: 3%; 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width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 8%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,058</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,278</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,954</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; 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font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.88%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; 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font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31,</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31,</div></td></tr><tr><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest Rate</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Maturity</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fixed:</div></td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,150</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.58%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">April 28, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.37%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 5, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.26%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 15, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,650</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.42%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 2, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 5, 2013</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.31%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">January 27,2014</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.80%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">April 17, 2014</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,200</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,200</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.29%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">October 2, 2017</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">July 12, 2018</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">July 12, 2021</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total term loans</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,200</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,000</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Following are maturities of borrowed funds as of December 31, 2013 (in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 25%; font-family: times new roman; font-size: 10pt;"><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2014</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60,723</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2015</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;675</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;534</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2017</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2018</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Thereafter</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total borrowed funds</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,844)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Low income housing tax credits</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(198)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(57)</div></td><td valign="bottom" style="text-align: right; 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font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,610</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Statutory tax rates</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">34%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">34%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Three Months Ended,</div></td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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text-align: left; width: 29%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Provision for income taxes</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;992</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,171</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 7%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 24%;"><div style="text-align: left; 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width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;political subdivisions</div></td><td valign="bottom" style="text-align: right; 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width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,972</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(42)</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 24%;"><div style="text-align: left; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;government sponsored entities</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,651</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(127)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; 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text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(127)</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;Total securities</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33,620</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(344)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;33,620</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(344)</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table sets forth the computation of earnings per share.&#160;&#160;Earnings per share calculations give retroactive effect to stock dividends declared by the Company.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2011</div></td></tr><tr><td valign="bottom" style="text-align: right; width: 49%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Basic earnings per share computation:</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$13,375,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$14,215,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$12,832,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,025,315</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,056,078</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,087,221</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Earnings per share &#8211; basic</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$4.42</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4.65</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4.16</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Diluted earnings per share computation:</div></td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$13,375,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$14,215,000</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$12,832,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 49%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 15%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,025,315</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,056,078</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,087,221</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Add: Dilutive effects of restricted stock</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for dilutive earnings per share</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,026,485</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,057,720</div></td><td valign="bottom" style="border-bottom: black 4px double; 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font-size: 10pt; margin-right: 0pt;">$4.65</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4.16</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-weight: normal;">The weighted-average assumptions used to determine benefit obligations at December 31:</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 30%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160; 2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160; 2012</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Discount rate</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">4.30%</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; 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width: 13%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt; border-top: black 0.5pt solid;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; border-top: black 0.5pt solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,159</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6.00%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tier I capital (to average assets)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;92,902</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">10.42%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84,166</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9.70%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">For capital adequacy purposes</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,669</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34,692</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;43,366</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5.00%</div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table reflects the Bank&#8217;s capital ratios at December 31 (dollars in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 60%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 24%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;2013</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;2012</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total capital (to risk-weighted assets)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Ratio</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>&#160;Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">&#160;&#160;&#160;</font>Ratio</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Bank</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;97,863</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">17.35%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;87,215</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">16.84%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">For capital adequacy purposes</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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</td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,781</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">10.00%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tier I capital (to risk-weighted assets)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Bank</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90,639</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">16.07%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;80,702</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">15.59%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">For capital adequacy purposes</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,567</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,713</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,069</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6.00%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tier I capital (to average assets)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Bank</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90,639</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,615</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34,634</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4.00%</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 24%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">To be well capitalized</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;44,519</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">5.00%</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;43,293</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5.00%</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The components of accumulated other comprehensive income (loss), net of tax, as of December 31, were as follows (in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 50%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;2012</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net unrealized (loss) gain on securities available for sale</div></td><td valign="bottom" style="text-align: right; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,754</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized loss on interest rate swap</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(200)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net -of-tax amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(1,117)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,991)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; 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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Business and Organization</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Citizens Financial Services, Inc. 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These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2013 and 2012.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-weight: bold; text-decoration: underline;">Trading Securities</font> - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. 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These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.&#160;&#160;Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders&#8217; equity, net of estimated income tax effect.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. 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For debt securities, management considers whether the present value of future cash flows expected to be collected are less than the security&#8217;s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company&#8217;s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security&#8217;s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company&#8217;s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the consolidated statement of income.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Common stock of the Federal Reserve Bank, Federal Home Loan Bank and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.&#160;&#160;Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-indent: 0pt; margin-left: 0pt; margin-right: 0pt;"><div>The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.</div></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance For Loan Losses</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management&#8217;s periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Impaired loans are commercial, municipal, agricultural, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. 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padding-bottom: 2px; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net -of-tax amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(108)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,754</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized loss on interest rate swap</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(200)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(68)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net -of-tax amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(132)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrecognized pension costs</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(1,693)</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(3,018)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(576)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,027)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net -of-tax amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(1,117)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,991)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 36%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; 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The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company’s minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company’s consolidated financial statements. In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and matured December 17, 2013. The fair value of the interest rate swap at December 31, 2012 was a liability of $200,000, and was included within other liabilities on the consolidated balance sheets. The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings. The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2013, the Company has a borrowing limit of $13,602,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $16,600,000 and $16,814,000 as of December 31, 2013 and 2012, respectively. Term Loans consist of separate loans with a third party bank and the Federal Home Loan Bank of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2013 2012 Fixed: 2.72% March 31, 2013 1,150 2.58% April 28, 2013 2,000 2.37% May 5, 2013 2,000 3.75% May 6, 2013 2,000 3.55% May 9, 2013 2,000 2.26% May 15, 2013 1,650 3.42% December 2, 2013 5,000 3.52% December 5, 2013 5,000 2.31% January 27,2014 1,000 1,000 2.80% April 17, 2014 3,200 3,200 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 3.52% July 12, 2021 2,000 2,000 Total term loans $ 9,200 $ 30,000 Securities sold under agreements to repurchase mature within 5 years. As of December 31, 2013 and 2012, repurchase agreements with original maturities of less than one year totaled $6,069,000 and $7,436,000, respectively. As of December 31, 2013 and 2012, repurchase agreements with original maturities greater than one year totaled $1,209,000 and $1,190,000, respectively. The carrying value of the underlying securities pledged at December 31, 2013 and 2012 was $12,416,000 and $13,177,000, respectively. FHLB Advances consist of an “Open RepoPlus” agreement with the Federal Home Loan Bank of Pittsburgh. FHLB “Open RepoPlus” advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $250,777,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company’s FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. At December 31, 2013 and 2012, the approximate carrying value of the securities collateral was $4,514,000 and $8,092,000, respectively. This category comprises mutual funds investing in domestic large-cap, mid-caps, small caps, international large cap, emerging markets and commodities.