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font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times 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text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,717</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 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black 2px solid; width: 8%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net interest income</div></td><td valign="middle" style="text-align: right; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;401</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;37,736</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;37,634</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; 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ACQUISITION OF FNB</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In the second quarter of 2015, the Company announced the signing of a definitive merger agreement to acquire 100% of the outstanding equity interest of FNB for $630 per share in cash and stock. FNB was a Pennsylvania bank that conducted its business from a main office in Lebanon County, Pennsylvania with four branches in Lebanon County, two branches in Schuylkill County, Pennsylvania, and one Branch in Berks County, Pennsylvania.</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The transaction closed on December&#160;11, 2015, with FNB having been merged into First Citizens Community Bank, with First Citizens Community Bank as the surviving entity. 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Management made significant estimates and exercised significant judgment in accounting for the acquisition.&#160; Management measured loan fair values based on loan file reviews, appraised collateral values, expected cash flows, and historical loss factors of FNB.&#160; Real estate acquired through foreclosure was primarily valued based on appraised collateral values.&#160; The Company also recorded an identifiable intangible asset representing the core deposit base of FNB based on management&#8217;s evaluation of the cost of such deposits relative to alternative funding sources.&#160; The Company also recorded an identifiable intangible asset representing a covenant not-to-compete with the former President of FNB. Management used significant estimates including the average lives of depository accounts, future interest rate levels, and the cost of servicing various depository products. 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text-indent: 0pt;">Time deposits</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(74)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="middle" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 66%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 11%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets (liabilities) acquired:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and cash equivalents</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; 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width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and equipment, net</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,743</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="font-size: 10pt; 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COMMITMENTS AND CONTINGENT LIABILITIES</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. 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Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Company evaluates each customer&#8217;s creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company on extension of credit is based on management&#8217;s credit assessment of the counter party.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Standby letters of credit are conditional commitments issued by the Company to guarantee a financial agreement between a customer and a third party.&#160;&#160;Performance letters of credit represent conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.&#160;&#160;These instruments are issued primarily to support bid or performance related contracts.&#160;&#160;The coverage period for these instruments is typically a one-year period with an annual renewal option subject to prior approval by management.&#160;&#160;Fees earned from the issuance of these letters are recognized during the coverage period.&#160;&#160;For secured letters of credit, the collateral is typically Bank deposit instruments or customer business assets.</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company also offers limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing for business, personal or household use.&#160;&#160;The non-contractual amount of financial instruments with off-balance sheet risk at December 31, 2015 was $12,485,000.&#160;&#160;The Company reserves the right to discontinue this service without prior notice.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Litigation Matters</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company is subject to lawsuits and claims arising out of its business. 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EMPLOYEE BENEFIT PLANS</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; text-decoration: underline; display: block; margin-right: 0pt; text-indent: 0pt;">Noncontributory Defined Benefit Pension Plan</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Bank sponsors a trusteed, noncontributory defined benefit pension plans covering substantially all employees and officers hired prior to January 1, 2007. Additionally, the Bank assumed the noncontributory defined benefit pension plan of FNB when it was acquired during 2015. 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Benefit obligation acquired as part of FNB acquisition</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,377</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;-</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Actual return (loss) on plan assets</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(41)</div></td><td valign="bottom" style="font-size: 10pt; 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text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Funded status</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(3,023)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(738)</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts not yet recognized as a component of net periodic pension cost (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; 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display: block; margin-right: 0pt; text-indent: 0pt;">comprehensive loss consists of:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 4%;">&#160; </td><td align="left" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loss</div></td><td valign="bottom" style="width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,919</div></td><td valign="bottom" style="width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,795</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 4%;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Prior service cost</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(222)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(270)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,697</div></td><td valign="bottom" style="border-bottom: black 4px double; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,525</div></td></tr></table></div><div style="font-size: 10pt; 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font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; 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width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Return on plan assets</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(791)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(786)</div></td><td valign="bottom" style="font-size: 10pt; 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The change in the discount rate is the primary driver of the actuarial gain that occurred in 2015 of $456,000.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 30%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount rate</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; 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font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.00%</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.00%</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount rate</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.61%</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.30%</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.00%</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.00%</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.00%</div></td></tr></table></div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net -of-tax amount</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2,204</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,093</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 35%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrecognized pension costs</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(3,697)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(3,525)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tax effect</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,257</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,199</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net -of-tax amount</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(2,440)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(2,326)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 35%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total accumulated other comprehensive income (loss)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(236)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;767</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables present the changes in accumulated other comprehensive (loss) income by component net of tax for the years ended December 31, 2015, 2014 and 2013 (in thousands):</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 48%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(loss) on </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">available for sale </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">gain (loss) on </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">interest rate </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">swap (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2012</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,754</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(132)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,991)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,631</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(6,571)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(291)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,856)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(108)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,117)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;(1,225)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 48%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(108)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,117)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;(1,225)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,608</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,243)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,365</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(407)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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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font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2014</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,093</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;comprehensive loss (net of tax)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(283)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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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</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160;</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">&#160; </td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">18. 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Equity in undistributed</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;earnings - First Citizens Community Bank</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,375</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Comprehensive income</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,623</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,377</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net cash provided by (used in) investing activities</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(788)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(602)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Purchase of restricted stock</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(7)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(170)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(7,105)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,156)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net (decrease) increase in cash</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,366</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash at end of year</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,593</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,911</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,611</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Basis of Presentation</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc.&#160;&#160;These statements have been prepared in accordance with U.S. generally accepted accounting principles.&#160;&#160;All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.</div></div> 119340000 156885000 13751000 10389000 108951000 143134000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7. FEDERAL HOME LOAN BANK (FHLB) STOCK</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2015 and 2014, the Bank holds $2,800,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management.&#160;&#160;The stock&#8217;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) A significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. 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DEPOSITS</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table shows the breakdown of deposits as of December 31, 2015 and 2014, by deposit type (dollars in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 50%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; 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display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;95,526</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">NOW accounts</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">279,655</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">226,038</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; 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display: block; margin-right: 0pt; text-indent: 0pt;">105,229</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">95,350</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Certificates of deposit</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">281,910</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">248,767</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;988,031</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;773,933</div></td></tr></table></div><div style="font-size: 10pt; 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width: 40%;"><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2016</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;128,954</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2017</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61,608</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2018</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;38,240</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2019</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;18,761</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total certificates of deposit</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;281,910</div></td></tr></table></div></div> 105229000 95350000 108252000 170277000 279655000 226038000 988031000 773933000 525166000 988031000 0 281421000 249221000 0 987542000 773933000 706121000 774387000 472000 464000 428000 537000 608000 598000 7500000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Derivative Financial Instruments</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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. 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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 year ended December 31, 2013.</div></div> 218000 86000 194000 0 -29000 -7022000 -145000 7167000 -1568000 0 1597000 3558000 5151000 6121000 5151000 6121000 3558000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings Per Share</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Basic earnings per share computation:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$11,626,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,385,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,375,000</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,031,282</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,038,298</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,055,034</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - basic</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.84</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.38</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Diluted earnings per share computation:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$11,626,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,385,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,375,000</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,031,282</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,038,298</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,055,034</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,360</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,295</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,170</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,032,642</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,039,593</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,056,204</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - dilutive</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.83</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.40</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.38</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nonvested shares of restricted stock totaling 2,105, 2,248 and 2,555 were outstanding during 2015, 2014 and 2013, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had prices ranging from $50.15-$53.15, $37.10-$50.50 and $34.70-$44.50 for 2015, 2014 and 2013, respectively.</div></div> 4.41 4.38 3.84 1.03 0.80 1.11 1.05 1.14 0.95 1.11 1.06 4.38 4.40 3.83 1.14 0.95 1.06 1.03 1.11 0.79 1.04 1.11 0.219 0.19 0.21 0.34 0.34 0.34 P3Y 413000 362000 506000 492000 1 12485000 Appraised Collateral Values Appraised Collateral Values Appraised Collateral Values Appraised Collateral Values 0.465 0.2 0 0.75 0 0.2 0 0.25 0.02 0.2 0.7 0 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 90%;"><tr><td colspan="7" valign="bottom" style="width: 91%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Quantitative Information about Level 3 Fair Value Measurements</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160;</td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;894</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160;</td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; 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</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160;</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;1,197</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160;</td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-75%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;150,885</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;U.S. treasuries</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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If the fair value of the collateral is less than the carrying amount of the loan, management will charge the loan down to its estimated realizable value. The fair value of OREO is based on the appraised value of the property, which is generally unadjusted by management and is based on comparable sales for similar properties in the same geographic region as the subject property, and is included in the above table as a Level II measurement.&#160;&#160;In some cases, management may adjust the appraised value due to the age of the appraisal, changes in market conditions, or observable deterioration of the property since the appraisal was completed.&#160;&#160;In these cases, the loans are categorized in the above table as Level III measurement since these adjustments are considered to be unobservable inputs. 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margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The fair values of the Company&#8217;s financial instruments are as follows (in thousands):</div></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,696</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; 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text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;603</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">603</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;603</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;712,524</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,459</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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display: inline; width: 32%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;734</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">734</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">734</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,423</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;497</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">497</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;497</div></td><td valign="bottom" style="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;564,944</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; 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display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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 align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;846</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;846</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;893</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;893</div></td></tr></table></div></div> 1051000 323000 1095000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The fair values of the Company&#8217;s financial instruments are as follows (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; 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width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,384</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,696</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7,705</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,705</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;603</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;712,524</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;25,535</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">25,535</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">&#160; </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,960</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5,969</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;497</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">497</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;497</div></td><td valign="bottom" style="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;564,944</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; 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text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;53,695</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,865</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,262</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;57,822</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,422</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;589</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,318</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;234</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;105</div></td><td valign="bottom" style="text-align: right; 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width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;480,081</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;190,945</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,639</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; 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width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 4px; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For residential real estate mortgages, home equities and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2015 and 2014 (in thousands):</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">PCI</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;139,734</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;141,039</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,236</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,368</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,470</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;64</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,543</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;213,440</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,466</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; 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</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,296</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;284</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,580</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1) Excludes fully amortized intangible assets</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; 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width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="right" valign="middle" style="width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2016</div></td><td align="right" valign="middle" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">173</div></td><td align="right" valign="middle" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;296</div></td><td align="right" valign="middle" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31</div></td><td align="right" valign="middle" style="width: 9%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">&#160; </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;281</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;114</div></td><td valign="bottom" style="text-align: right; 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font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,068</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; 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margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;167</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;5,535</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,653</div></td><td valign="bottom" style="text-align: right; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; 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text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;222</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;66</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;191</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;65</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;8,433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,708</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;404</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,112</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;72</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,480</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,346</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; 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font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;240</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;5,683</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;63</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; 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width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,700</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;37</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;8,804</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;180</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 28%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;198</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;7,270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,031</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;9,639</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;146</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 28%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;327</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;136</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;8,499</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;457</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">377</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,761</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$ 10,728</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;547</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;377</div></td></tr></table></div></div> 167000 8654000 8433000 61000 0 2480000 281000 0 130000 0 0 14803000 105000 222000 0 0 5535000 0 0 11265000 547000 4000 0 0 457000 2000 0 0 4000 0 7000 0 63000 0 0 0 0 79000 79000 1000 0 12000 98000 9000 4000 180000 54000 146000 0 0 17127000 16944000 14347000 2981000 3860000 4281000 4380000 4028000 4255000 3968000 3538000 2721000 3752000 3559000 146000 87000 -70000 209000 17000 150000 890000 852000 740000 521000 904000 779000 913000 681000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">11. INCOME TAXES</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The provision for income taxes consists of the following (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 50%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">&#160; </td><td colspan="3" valign="bottom" style="width: 30%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Year Ended December 31,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; 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text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deferred taxes</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(192)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;478</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 35%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Interest on non-accrual loans</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,001</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;825</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">68</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(86)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,565</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Mortgage-backed securities in</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;government sponsored entities</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,107</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">186</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(89)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,204</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Equity securities in financial institutions</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,001</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">436</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(5)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,432</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;356,399</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,139</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;(801)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;359,737</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gains</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;638</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;(600)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;150,885</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;U.S. Treasuries</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,944</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(95)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,849</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Obligations of state and</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;political subdivisions</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Corporate obligations</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,853</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">190</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(85)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; 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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. 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font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities with an approximate carrying value of $203,769,000 and $186,388,000 at December 31, 2015 and 2014, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.&#160;&#160;&#160;The amortized cost and fair value of debt securities at December 31, 2015, by contractual maturity are shown below (in thousands). 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font-family: times new roman; border-bottom: black 2px solid; width: 25%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; 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font-family: times new roman; border-bottom: black 2px solid; width: 25%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; 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width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Due after one year through five years</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;203,928</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;204,375</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; 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font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for Loan Losses</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired loans are other commercial and agricultural, municipal, agricultural real estate, 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. The definition of &#8220;impaired loans&#8221; is not the same as the definition of &#8220;non-accrual loans,&#8221; although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower&#8217;s prior payment record, and the amount of shortfall in relation to the principal and interest owed.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company allocates the allowance based on the factors described below, which conform to the Company&#8217;s loan classification policy. In reviewing risk within the Bank&#8217;s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. 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All other loans are generally charged down to the net realizable value when the loan is 90 days past due.</div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Troubled Debt Restructurings</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). 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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Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. 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> 603000 497000 497000 603000 497000 603000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central and south central Pennsylvania and southern New York.&#160;&#160;Although the Company has a diversified loan portfolio at December 31, 2015 and 2014, a substantial portion of its debtors&#8217; ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2015 and 2014 (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans acquired </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">with deteriorated&#160;&#160;</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">credit quality</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Residential</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203,407</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;304</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;203,068</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;295,364</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,235</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;2,908</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;286,221</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,011</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,011</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,543</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;9</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,534</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71,206</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;5,745</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;866</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,595</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;695,031</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,284</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;3,818</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;678,929</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;7,106</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;355</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,751</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;687,925</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,929</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,818</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;672,178</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; 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display: block; margin-right: 0pt; text-indent: 0pt;">&#160;with deteriorated&#160;<font style="font-weight: bold; display: inline;">&#160;</font></div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">credit quality</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185,438</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;316</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; 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width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;209,472</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,353</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;8,497</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;58,516</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;2,394</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;554,105</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; 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text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,815</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;98</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;547,290</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,724</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;538,566</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purchased loans acquired are recorded at fair value on their purchase date without a carryover of the related allowance for loan losses.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Upon acquisition, the Company evaluated whether an acquired loan was within the scope of ASC 310-30, Receivables-Loans and Debt Securities Acquired with Deteriorated Credit Quality. Purchased credit-impaired loans are loans that have evidence of credit deterioration since origination and it is probable at the date of acquisition that the Company will not collect all contractually required principal and interest payments. There were no material increases or decreases in the expected cash flows of these loans between December 11, 2015 (the &#8220;acquisition date&#8221;) and December 31, 2015. The fair value of purchased credit-impaired loans, on the acquisition date, was determined, primarily based on the fair value of loan collateral. The carrying value of purchased loans acquired with deteriorated credit quality was $3,818,000 at December 31, 2015.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">On the acquisition date, the preliminary estimate of the unpaid principal balance for all loans evidencing credit impairment acquired in the FNB acquisition was $6,969,000 and the estimated fair value of the loans was $3,809,000. Total contractually required payments on these loans, including interest, at the acquisition date was $9,913,000. However, the Company&#8217;s preliminary estimate of expected cash flows was $4,474,000. 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font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans serviced for Freddie Mac, Fannie Mae and the FHLB, which are not included in the Consolidated Balance Sheet, totaled $133,210,000 and $84,676,000 at December 31, 2015 and 2014, respectively. Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $92,773,000 and $84,676,000 at December 31, 2015 and 2014, respectively. Additionally, the Bank acquired a portfolio of loans sold to the FHLB during the acquisition of FNB, which were sold under the Mortgage Partnership Finance Program ("MPF"). The Bank is no longer an active participant in the MPF program. The MPF portfolio balance was $40,437,000 at December 31, 2015, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $104,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $4,345,000 of losses. 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Other agricultural loans are loans for agricultural purposes primarily secured by non real estate collateral. State and political subdivisions are loans for state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">Management considers other commercial and agricultural&#160;&#160;loans, commercial and agricultural real estate loans and state and political subdivision loans which are 90 days or more past due to be impaired. Certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships determined to be impaired may be classified as impaired as well. 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;281</div></td><td valign="bottom" style="text-align: right; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;8,654</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,843</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;225</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,068</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;167</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;167</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;167</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;256</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;105</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$ 14,803</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;10,882</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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</td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; 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margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; 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font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;240</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; 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width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;8,804</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; 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width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;198</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;2,031</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;9,639</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;146</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 28%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;327</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;136</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;8,499</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;457</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">377</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;1,761</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$ 10,728</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; 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font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; 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margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,865</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,262</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; 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width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,297</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;446</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; 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width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;57,549</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,318</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,657</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; 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width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;448,776</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,284</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,852</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;480,081</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;190,945</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,639</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,413</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,355</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;47,451</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,221</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,065</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 4px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;324,932</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,482</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For residential real estate mortgages, home equities and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2015 and 2014 (in thousands):</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">PCI</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;139,734</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;141,039</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,236</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,368</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,470</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;64</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,543</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;213,440</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,466</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;44</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;214,950</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">PCI</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;121,968</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;890</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;122,858</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,296</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;284</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;62,580</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,444</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;53</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; 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text-indent: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">PCI</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">738</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;57,822</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,011</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,011</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;239</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;2,509</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;773</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;6,006</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;9,288</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;681,925</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;3,818</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;695,031</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;623</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;171</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;5,383</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;5,608</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;923</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,531</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,455</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;602</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;623</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,680</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;681,002</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,818</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;688,500</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 4px; width: 7%;">&#160; </td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;2,509</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014&#160;</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;310</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,639</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,639</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; 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display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,431</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;641</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;836</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,908</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;544,598</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. 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width: 29%;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; 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font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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font-family: times new roman; display: inline; width: 29%;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">&#160; </td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 20%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 1%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-style: italic; display: inline;">&#160;</font>2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; 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display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 1%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;153</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 1%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-style: italic; display: inline;">&#160;</font>2013</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 1%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 1%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;72</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;72</div></td><td align="right" colspan="2" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,365</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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" colspan="2" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,365</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; 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text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; 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font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(2)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;subdivision loans</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;545</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">48</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">204</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;392</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; 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font-family: times new roman; display: inline; width: 28%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; 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The Update&#8217;s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December&#160;15, 2016, including interim periods within that reporting period. 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Early application is permitted.&#160;&#160;This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In February 2015, the FASB issued ASU 2015-02, <font style="font-style: italic; display: inline;">Consolidation (Topic 810)</font>. The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (&#8220;VIEs&#8221;) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related-party relationships; and (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.&#160;&#160;The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.&#160;&#160;For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017.&#160;&#160;This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In April 2015, the FASB issued ASU 2015-03, <font style="font-style: italic; display: inline;">Interest &#8211; Imputation of Interest (Subtopic 835-30)</font>, as part of its initiative to reduce complexity in accounting standards.&#160;&#160;To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.&#160;&#160;For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.&#160;&#160;For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.&#160;&#160;An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company&#8217;s financial.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In May 2015, the FASB issued ASU 2015-08<font style="font-style: italic; display: inline;">, Business Combinations &#8211; Pushdown Accounting &#8211; Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115</font>. This Update was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115.&#160;&#160;This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In June 2015, the FASB issued ASU 2015-10, <font style="font-style: italic; display: inline;">Technical Corrections and Improvements</font>. The amendments in this Update represent changes to clarify the FASB Accounting Standards Codification (&#8220;Codification&#8221;), correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update.&#160;&#160;This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In August 2015, the FASB issued ASU 2015-14, <font style="font-style: italic; display: inline;">Revenue from Contract with Customers</font> (<font style="font-style: italic; display: inline;">Topic 606</font>). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year.&#160;&#160;Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period.&#160;&#160;All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019.&#160;&#160;The Company is evaluating the effect of adopting this new accounting Update.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In August 2015, the FASB issued ASU 2015-15, <font style="font-style: italic; display: inline;">Interest &#8211; Imputation of Interest (Subtopic 835-30): Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting</font>.&#160;&#160;This Update adds SEC paragraphs pursuant to the SEC Staff Announcement at the June 18, 2015 Emerging Issues Task Force meeting about the presentation and subsequent measurement of debt issuance costs associated with line-of-credit arrangements.&#160;&#160;This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In September 2015, the FASB issued ASU 2015-16, <font style="font-style: italic; display: inline;">Business Combinations (Topic 805).</font>&#160;&#160;The amendments in this Update require that an acquirer recognizes adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments in this Update require that the acquirer record, in the same period's financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date.&#160;&#160;The amendments in this Update require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date.&#160;&#160;For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years.&#160;&#160;For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s statements.</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div><div style="font-size: 8pt; font-family: Times New Roman; text-align: right; width: 100%;"></div></div></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In November 2015, the FASB issued ASU 2015-17, <font style="font-style: italic; display: inline;">Income Taxes (Topic 740): Balance Sheet Classification of Deferred Taxes</font>.&#160;&#160;The amendments in this Update require that deferred tax liabilities and assets be classified as noncurrent in a classified statement of financial position. The amendments in this Update apply to all entities that present a classified statement of financial position.&#160;&#160;For public business entities, the amendments in this Update are effective for financial statements issued for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments in this Update are effective for financial statements issued for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018.&#160;&#160;Earlier application is permitted for all entities as of the beginning of an interim or annual reporting period.&#160;&#160;The amendments in this Update may be applied either prospectively to all deferred tax liabilities and assets or retrospectively to all periods presented. This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">In January 2016, the FASB issued ASU 2016-01, <font style="font-style: italic; display: inline;">Financial Instruments &#8211; Overall (Subtopic 825-10):&#160;&#160;Recognition and Measurement of Financial Assets and Financial Liabilities</font>.&#160;&#160;This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.&#160;&#160;Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) <font style="font-size: 10pt; font-family: Times New Roman;">requires</font> public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (g) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (h) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity&#8217;s other deferred tax assets.&#160;&#160;For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.&#160;&#160;For all other entities including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;344</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,740</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">738</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;57,822</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;239</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;37</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;325</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,209</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,543</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;143</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;623</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;54</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;171</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;5,383</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;5,608</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;923</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,531</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,455</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;602</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;2,509</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;773</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;6,006</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; padding-bottom: 4px; text-align: right; width: 10%;">&#160; </td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; display: inline; width: 8%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Land</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,110</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,295</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Buildings</div></td><td valign="bottom" style="text-align: right; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,636</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,187</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Construction in process</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,836</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 50%;">&#160; </td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,183</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,774</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Less: accumulated depreciation</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,920</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,417</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and equipment, net</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,263</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,357</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and Equipment</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.</div></div> P15Y P40Y P3Y P5Y 12357000 17263000 1836000 5110000 17349000 23774000 88000 6187000 12456000 6636000 29183000 3295000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5. PREMISES &amp; EQUIPMENT</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 50%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 50%;">&#160; </td><td colspan="2" valign="bottom" style="width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 50%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Land</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,110</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,295</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Buildings</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,349</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,456</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Furniture, fixtures and equipment</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,636</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,187</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Construction in process</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,836</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 50%;">&#160; </td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,183</div></td><td valign="bottom" style="text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,774</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Less: accumulated depreciation</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,920</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,417</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and equipment, net</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,263</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,357</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Depreciation expense amounted to $608,000, $537,000 and $598,000 for 2015, 2014 and 2013, respectively.</div></div> -405000 2000 -93000 1000 187000 149000 -83000 24000 -29000 -48000 -120000 -7000 -59000 -215000 -480000 -32000 15000 -21000 -12000 -532000 -178000 -585000 -215000 -204000 585000 405000 480000 105000 120000 150000 150000 120000 120000 180000 120000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">19. CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table presents summarized quarterly financial data for 2015 and 2014:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(in thousands, except per share data)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Sep 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Dec 31</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,771</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,768</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,863</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,251</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,184</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,207</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,218</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,211</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,587</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,561</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains (losses), net</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;126</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;175</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;740</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;779</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings Per Share Diluted</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.03</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.06</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.95</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.79</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Sep 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Dec 31</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,781</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,889</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,808</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,813</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,269</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,512</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,650</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,574</div></td><td valign="bottom" style="text-align: right; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.14</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings Per Share Diluted</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.04</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.11</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.11</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1.14</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; 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width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;827</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(11)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;(31)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(386)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net gains</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;429</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;616</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;441</div></td></tr></table></div></div> 0 407000 291000 -170000 283000 -135000 373000 0 148000 0 121000 -34000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables present the changes in accumulated other comprehensive (loss) income by component net of tax for the years ended December 31, 2015, 2014 and 2013 (in thousands):</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 48%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(loss) on </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">available for sale </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">gain (loss) on </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">interest rate </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">swap (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2012</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,754</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(132)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,991)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,631</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(6,571)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;704</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,735)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(291)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;170</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(121)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(6,862)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;132</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;874</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,856)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(108)</div></td><td valign="bottom" style="border-bottom: black 4px double; 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text-align: right; width: 48%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(108)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,117)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;(1,225)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,608</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,243)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,365</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(407)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;34</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(373)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,201</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,209)</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,992</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 48%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,093</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,326)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;767</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 48%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; 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</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160;</td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">&#160; </td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14. 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.31%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,332</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;56,443</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Common Equity Tier 1 Capital<font style="font-style: italic; display: inline;"> (to Risk Weighted Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,112</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.14%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,854</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.31%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,749</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.50%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; 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display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital <font style="font-style: italic; display: inline;">(to Average Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107,612</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">11.01%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,083</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;48,854</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.35%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,006</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;48,757</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.00%</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr></table></div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Actual</div></td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For Capital Adequacy </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purposes</div></td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">To Be Well Capitalized </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Under Prompt Corrective </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Action Provisions</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td></tr><tr><td align="left" colspan="7" valign="middle" style="width: 95%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Capital<font style="font-style: italic; display: inline;"> (to Risk Weighted Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;106,891</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">18.55%</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,105</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;57,631</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;97,498</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">16.97%</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 95%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital <font style="font-style: italic; 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margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13. 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font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table provides the current year and estimated future amortization expense for amortized intangible assets. 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display: block; margin-right: 0pt; text-indent: 0pt;">The following table reflects the loans on nonaccrual status as of December 31, 2015 and 2014, respectively. 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font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2015 and 2014 (in thousands) by level within the fair value hierarchy. 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;289</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table details the vesting, awarding and forfeiting of restricted shares during 2015:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 50%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; width: 24%;">&#160; </td><td colspan="2" valign="bottom" style="border-top: black 0.5pt solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 24%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; 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width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Granted</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,996</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;49.02</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; 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display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Benefit obligation at beginning of year</div></td><td valign="bottom" style="text-align: right; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,777</div></td><td valign="bottom" style="text-align: right; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Service cost</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;352</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;307</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest cost</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;424</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;415</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Actuarial (Gain) / Loss</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(456)</div></td><td valign="bottom" style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Change in plan assets</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; 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margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts not yet recognized as a component of net periodic pension cost (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" colspan="2" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts recognized in accumulated other</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">comprehensive loss consists of:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 4%;">&#160; </td><td align="left" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loss</div></td><td valign="bottom" style="width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,919</div></td><td valign="bottom" style="width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,795</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 4%;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Prior service cost</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(222)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(270)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; 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text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,525</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan&#8217;s assets at fair value as of December 31, 2015 and 2014 (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; 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display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,704</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">11.5%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; width: 13%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;U.S. Companies</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,821</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,821</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">25.8%</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mutual Funds and ETF's</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; 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font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,019</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.7%</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;U.S. Agency Securities</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;50</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;50</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; 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</td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 23%;">&#160; </td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,008</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.82%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.93%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;As of year-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.45%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.43%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.33%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.44%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.74%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,906</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;11,800</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;41,799</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Highest balance at any month-end</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,277</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">39,902</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,200</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;72,879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average balance</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,180</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,208</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average interest rate:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.09%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.89%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.55%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;As of year-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.99%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.24%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.04%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.54%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.50%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,278</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,954</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#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: 10%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,752)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Low income housing tax credits</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(198)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(198)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(198)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(214)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other items</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(27)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">34%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">34%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Effective tax rates</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">19.0%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; border-bottom: black 2px solid; width: 35%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deferred tax assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Allowance for loan losses</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,238</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,317</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Deferred compensation</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;772</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;503</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Mortgage servicing rights</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(238)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(161)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tax effect</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1,135)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(1,594)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net -of-tax amount</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2,204</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,093</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 35%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrecognized pension costs</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(3,697)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(3,525)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tax effect</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 25%;"><div style="font-size: 10pt; font-family: times new roman; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(in thousands)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Available-for-sale securities</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,332</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,556</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,542</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Other assets</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;557</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; 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margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;108,520</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 25%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Liabilities:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Other liabilities</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;592</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;492</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Borrowed funds</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">CONDENSED&#160;&#160;STATEMENT OF INCOME</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">&#160; </td><td colspan="3" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Year Ended December 31,</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(in thousands)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Dividends from:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Purchases of available-for-sale securities</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(901)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(602)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash at end of year</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,593</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,911</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2018</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;191</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2019</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;194</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2020</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;81</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Thereafter</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,093</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Basic earnings per share computation:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$11,626,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,385,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,375,000</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,031,282</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,038,298</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,055,034</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - basic</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.84</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.38</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Diluted earnings per share computation:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$11,626,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,385,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,375,000</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,031,282</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,038,298</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,055,034</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,360</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,295</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,170</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,032,642</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,039,593</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,056,204</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - dilutive</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.83</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.40</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.38</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table presents summarized quarterly financial data for 2015 and 2014:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-style: italic; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(in thousands, except per share data)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Sep 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Dec 31</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,771</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,768</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,863</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,251</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,184</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,207</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,218</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,211</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,587</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,561</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,645</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,040</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for loan losses</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;120</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,602</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,780</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,736</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,876</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains (losses), net</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;126</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;175</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;129</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-interest expenses</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,335</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,428</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,852</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,814</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income before provision for income taxes</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,860</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,968</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,538</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,981</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; display: inline; width: 29%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mar 31</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Sep 30</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Dec 31</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,781</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,889</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,808</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net interest income</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,512</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,650</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,574</div></td><td valign="bottom" style="text-align: right; 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width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,762</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains, net</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;171</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-interest expenses</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,091</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,000</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,067</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,007</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income before provision for income taxes</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,028</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,255</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,281</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,380</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;852</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Covenant not to compete</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">125</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 45pt;">Total amortized intangible assets</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; 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display: block; margin-right: 0pt; text-indent: 0pt;">The following table shows the Company&#8217;s gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2015 and 2014 (in thousands).&#160;&#160;As of December 31, 2015, the Company owned 91 securities whose fair value was less than their cost basis.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Less than Twelve Months</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Twelve Months or Greater</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">&#160; </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(33)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,254</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(37)</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="border-bottom: black 4px double; 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font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount rate</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; 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border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2014</div></td><td valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-top: black 0.5pt solid; border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2013</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amortized</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;U.S. Agency securities</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;199,749</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;369</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;(527)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; 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margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;359,737</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gains</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;U.S. Agency securities</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;U.S. Treasuries</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,944</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(95)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;political subdivisions</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;101,281</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,854</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(99)</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;government sponsored entities</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,397</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">368</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;301,459</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,603</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;(916)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;306,146</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Bank expects to contribute $500,000 to its pension plans in 2016.&#160;&#160;Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 30%;"><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-top: black 0.5pt solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2016</div></td><td align="right" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; width: 2%;">&#160; </td><td align="left" valign="bottom" style="border-top: black 0.5pt solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;586</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2017</div></td><td valign="bottom" style="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2019</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,134</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2020</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,536</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2021 - 2025</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,573</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company and Bank&#8217;s computed risk-based capital ratios are as follows as of December 31, 2015 and 2014 (dollars in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Actual</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For Capital Adequacy </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purposes</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">To Be Well Capitalized </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Under Prompt Corrective </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Action Provisions</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td></tr><tr><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Capital<font style="font-style: italic; display: inline;"> (to Risk Weighted Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;114,886</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">16.23%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,630</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;70,787</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;108,232</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15.34%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,443</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;70,554</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.00%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital <font style="font-style: italic; display: inline;">(to Risk Weighted Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107,612</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15.20%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,472</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;56,630</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.31%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,332</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.00%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;56,443</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.00%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Common Equity Tier 1 Capital<font style="font-style: italic; display: inline;"> (to Risk Weighted Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,112</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.14%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,854</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.50%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;46,012</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.50%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">14.31%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31,749</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.50%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;45,860</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6.50%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 94%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital <font style="font-style: italic; display: inline;">(to Average Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;107,612</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">11.01%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; 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font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100,958</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.35%</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,006</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; 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display: inline; width: 6%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr></table></div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; 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margin-right: 0pt; text-indent: 0pt;">Action Provisions</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="middle" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ratio</div></td></tr><tr><td align="left" colspan="7" valign="middle" style="width: 95%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Capital<font style="font-style: italic; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17.30%</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,053</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;34,579</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;N/A</div></td></tr><tr bgcolor="#cceeff"><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 39%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 6%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" colspan="7" valign="middle" style="width: 95%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Tier 1 Capital <font style="font-style: italic; display: inline;">(to Average Assets):</font></div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Company</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;99,692</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.99%</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,272</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4.00%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;45,341</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 39%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;Bank</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90,500</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">10.00%</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,218</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; 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font-family: times new roman; width: 40%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31,</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31,</div></td></tr><tr><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest Rate</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Maturity</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fixed:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.29%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">October 2, 2017</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">July 12, 2018</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.87%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">February 4, 2019</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.61%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">February 3, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">July 12, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.37%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">August 20, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,800</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,800</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.08%</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">January 6, 2022</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,725</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total term loans</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; 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border-bottom: black 2px solid; width: 20%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commitments to extend credit</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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display: block; margin-right: 0pt; text-indent: 0pt;">10,389</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 20%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$156,885</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$119,340</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2015 and December&#160;31, 2014 is presented in the following tables.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td colspan="5" valign="bottom" style="width: 50%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Remaining Contractual Maturity of the Agreements</div></td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Overnight and</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Up to</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater than</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; display: inline; width: 29%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; 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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; font-style: italic; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Business and Organization</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Citizens Financial Services, Inc. (individually and collectively, the &#8220;Company&#8221;) is headquartered in Mansfield, Pennsylvania, and provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community&#160;&#160;Bank (the &#8220;Bank&#8221;), and its wholly owned subsidiary, First Citizens Insurance Agency, Inc.&#160;&#160;On December 11, 2015, the Company completed its acquisition of The First National Bank of Fredericksburg (FNB). As of December 31, 2015, the Bank operates twenty five full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Berks and Schuylkill counties, Pennsylvania and Allegany County, New York. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. 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display: block; margin-right: 0pt; text-indent: 0pt;">$3.84</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$4.38</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Diluted earnings per share computation:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$11,626,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,385,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$13,375,000</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; 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width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,360</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;1,295</div></td><td valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; 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width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; 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width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; 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width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; 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width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,011</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; 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font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;9</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,534</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71,206</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;5,745</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;866</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,595</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;98,500</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;695,031</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,284</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;3,818</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;678,929</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;7,106</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;355</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,751</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;687,925</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,929</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,818</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;672,178</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans acquired</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;with deteriorated&#160;<font style="font-weight: bold; display: inline;">&#160;</font></div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">credit quality</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185,438</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;316</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;185,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;215,584</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,112</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;209,472</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,353</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;8,497</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="font-size: 10pt; 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width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;554,105</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;8,822</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;545,283</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,815</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;98</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;6,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;547,290</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,724</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;538,566</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table presents additional information regarding loans acquired with specific evidence of deterioration in credit quality under ASC 310-30:</div><div style="text-align: justify; 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</td><td valign="top" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="top" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding balance</div></td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="top" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,969</div></td><td valign="top" style="font-size: 10pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,809</div></td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td align="left" valign="top" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,818</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; 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width: 3%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at beginning of period</div></td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" colspan="2" valign="bottom" style="width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;665</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="top" style="padding-bottom: 2px; width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accretion</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;(28)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at end of period</div></td><td valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 3%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;637</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table shows the breakdown of deposits as of December 31, 2015 and 2014, by deposit type (dollars in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 50%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-interest-bearing deposits</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;150,960</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;95,526</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">NOW accounts</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">279,655</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">226,038</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Savings deposits</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">170,277</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">108,252</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Money market deposit accounts</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,229</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">95,350</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Certificates of deposit</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">281,910</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">248,767</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;988,031</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;773,933</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Following are maturities of certificates of deposit as of December 31, 2015 (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;</div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 40%;"><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2016</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;128,954</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2017</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;61,608</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2018</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;38,240</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2019</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;18,761</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2020</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;24,594</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Thereafter</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;9,753</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total certificates of deposit</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;281,910</div></td></tr></table></div></div> P90D 632000 463000 527000 4356000 923000 48000 171000 181000 5383000 54000 2243000 5608000 2014000 3680000 623000 602000 1431000 2455000 836000 2908000 641000 544598000 681002000 688500000 547506000 0 0 0 35000 9000 0 0 0 738000 0 0 866000 0 2170000 0 0 0 3818000 0 0 0 0 3818000 0 3339000 4687000 1257000 1199000 -1594000 -1135000 3697000 3525000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table summarizes the purchase of FNB as of December 11, 2015:&#160;</div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div>&#160;</div></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="middle" style="border-bottom: black 2px solid; width: 66%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(In&#160;Thousands,&#160;Except&#160;Per&#160;Share&#160;Data)</div></td><td valign="middle" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purchase Price Consideration in Common Stock</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Citizens Financial Services, Inc. shares issued</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">336,515</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value assigned to Citizens Financial Services, Inc. common share</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;47.50</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc.</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;15,984</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purchase Price Consideration - Cash for Common Stock</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,619</div></td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Purchase Price</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,603</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net Assets Acquired:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The First National Bank of Fredericksburg shareholders&#8217; equity</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,298</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Adjustments to reflect assets acquired at fair value:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 18pt;">Interest rate</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;31</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 18pt;">General credit</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,362)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 18pt;">Specific credit - non-amortizing</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,495)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 18pt;">Specific credit - amortizing</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(665)</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Core deposit intangible</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,641</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Covenant not to compete</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;125</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="middle" style="width: 66%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Premises and equipment</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,203</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,984</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; 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display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.82%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.93%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;As of year-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.45%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.43%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.33%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.44%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.74%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,906</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;11,800</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;41,799</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Highest balance at any month-end</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,277</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">39,902</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,200</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;72,879</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average balance</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,180</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;39,208</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average interest rate:</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.91%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.27%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.76%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.75%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.09%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.89%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.55%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;As of year-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.99%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.24%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.04%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.54%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.50%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2013</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; 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margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;Paid during the year</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.88%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.73%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.75%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; 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font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.78%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0.96%</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"><font style="font-size: 10pt; font-family: Times New Roman; display: inline;">(a)</font><font style="color: black; letter-spacing: 9pt;">&#160;</font><font style="font-size: 10pt; font-family: Times New Roman; display: inline;">We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and to facilitate secured short-term funding needs. 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font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Continuous</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 - 90 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 29%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Repurchase Agreements:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,144</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,144</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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display: inline; width: 3%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 3%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Continuous</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 - 90 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; 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display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 3%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,368</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;5,906</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; 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display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fixed:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">&#160; </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.29%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">October 2, 2017</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">July 12, 2018</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.87%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">February 4, 2019</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.61%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">February 3, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">July 12, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.37%</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">August 20, 2021</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,800</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,800</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2.08%</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">January 6, 2022</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,725</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total term loans</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,525</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; 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font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2018</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2019</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2020</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">&#160; </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 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;560</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Thereafter</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,525</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total borrowed funds</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 4px double; width: 2%;">&#160; </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;41,631</div></td></tr></table></div></div> 141000 152000 145000 0 0 2 51000 205000 257000 40000 61000 46000 0 549000 0 14000 4598000 71971000 1236000 153259000 282000 115211000 7000 170000 115000 170000 7000 115000 191000 299000 969000 640000 686000 713000 259000 24000 136000 P7Y 0 102000 0 4 4 198000 172000 214000 171000 70000 61000 60000 198000 198000 198000 0.5 24000 20000 63000 33000 1001000 825000 Amounts in parentheses indicate debits. 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. FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $254,270,000, 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. We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and to facilitate secured short-term funding needs. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. We monitor collateral levels on a continuous basis. We may be required to provide additional collateral based on the fair value of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. The collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2015 and December 31, 2014 is presented in the following tables. Remaining Contractual Maturity of the Agreements Overnight and Up to Greater than 2015 Continuous 30 Days 30 - 90 Days 90 days Total Repurchase Agreements: U.S. agency securities $ 18,144 $ - $ - $ 2,049 $ 20,193 Total carrying value of collateral pledged 18,144 - - 2,049 20,193 Total liability recognized for repurchase agreements 16,008 2014 Continuous 30 Days 30 - 90 Days 90 days Total Repurchase Agreements: U.S. agency securities $ 10,368 $ 1,015 $ - $ 2,940 $ 14,323 Total carrying value of collateral pledged 10,368 1,015 - 2,940 14,323 Total liability recognized for repurchase agreements 5,906 In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. 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. (f) Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2015 2014 Fixed: 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 2,000 2.61% February 3, 2021 2,000 2,000 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 2,800 2.08% January 6, 2022 4,725 - Total term loans $ 16,525 $ 11,800 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, 2015, the Company has a borrowing limit of $7,949,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $16,146,000 and $17,071,000 as of December 31, 2015 and 2014, respectively. Excludes fully amortized intangible assets Amounts in parentheses indicate debits to profit/loss