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font-style: italic; font-weight: bold;">Basis of Presentation</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiaries, First Citizens Insurance Agency, Inc. and 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> Realty of PA, LLC.&#160; These statements have been prepared in accordance with U.S. generally accepted accounting principles.&#160; All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.</div></div> 0 0 0 0 0 0 4553000 0 0 0 42359000 0 0 154000 0 0 154000 37960000 0 0 51000 0 0 51000 86000 0 0 86000 0 145000 0 145000 0 -4399000 0 2346000 0 466000 165000 146925000 134841000 141272000 154708000 0.1282 0.1334 0.1404 0.1342 105176000 105284000 110208000 110128000 0.1000 0.1000 0.1000 0.1000 0.0800 0.0800 0.0800 0.0800 88102000 88166000 84141000 84227000 -1720000 1723000 763000 3993000 1590000 -662000 17754000 18517000 16797000 18520000 2245000 5576000 6238000 7166000 16797000 18520000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">3. RESTRICTIONS ON CASH AND DUE FROM BANKS</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Bank is required to maintain reserves, in the form of cash balances with the Federal Reserve Bank, against its deposit liabilities.&#160; The amount of such reserves was $3,054,000 and $2,751,000 at December 31, 2019 and 2018, respectively.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Non-retirement account deposits with one financial institution are insured up to $250,000. 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Net cash flows are reported for loans, deposits and short term borrowing transactions.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.</div></div> 17727000 15327000 5576000 7166000 250000 0 93000 106000 104000 89000 95000 15000 1859000 1282000 4072000 4529000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;">16. COMMITMENTS AND CONTINGENT LIABILITIES</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. 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font-weight: bold;">211,530</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-family: &amp;quot;">199,183</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 26%; background-color: rgb(255, 255, 255); padding-bottom: 2px;"><div style="font-family: &amp;quot;">Standby letters of credit</div></td><td colspan="1" valign="bottom" style="text-align: right; 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background-color: #CCEEFF;">&#160;</td></tr></table><div style="text-align: justify; color: rgb(0, 0, 0);"><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Commitments to extend credit are legally binding agreements to lend to customers. 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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Standby letters of credit are conditional commitments issued by the Company to guarantee a financial agreement between a customer and a third party.&#160; Performance letters of credit represent conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. &#160;These instruments are issued primarily to support bid or performance related contracts.&#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; Fees earned from the issuance of these letters are recognized during the coverage period.&#160; For secured letters of credit, the collateral is typically Bank deposit instruments or customer business assets.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">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; The non-contractual amount of financial instruments with off-balance sheet risk at December 31, 2019 was $11,872,000.&#160; The Company reserves the right to discontinue this service without prior notice.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Legal and Regulatory Proceedings</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In the ordinary course of business, the Company is subject to legal proceedings, including claims, litigation, investigations and administrative proceedings, all of which are considered incidental to the normal conduct of business. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. The Company believes it has substantial defenses to the claims asserted against it in its currently outstanding legal proceedings and, with respect to such legal proceedings, intends to defend itself vigorously.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company assesses its liabilities and contingencies in connection with outstanding legal proceedings utilizing the latest information available. Where it is probable that the Company will incur a loss and the amount of the loss can be reasonably estimated, the Company records a liability in its consolidated financial statements. These legal reserves may be increased or decreased to reflect any relevant developments. Where a loss is not probable or the amount of a probable loss is not reasonably estimable, the Company does not accrue legal reserves. Additionally, for those matters where a loss is reasonably possible and the amount of loss is reasonably estimable, the Company estimates the amount of losses that it could incur beyond the accrued legal reserves. Under U.S. GAAP, an event is &#8220;reasonably possible&#8221; if &#8220;the chance of the future event or events occurring is more than remote but less than likely&#8221; and an event is &#8220;remote" if &#8220;the chance of the future event or events occurring is slight.&#8221;</div><div><br /></div><div style="text-align: justify; font-weight: normal; text-indent: 18pt;">While the outcome of legal proceedings and the timing of the ultimate resolution are inherently difficult to predict, based on information currently available, advice of counsel and available insurance coverage, the Company believes that it has established adequate legal reserves. Further, based upon available information, the Company is of the opinion that these legal proceedings, individually or in the aggregate, will not have a material adverse effect on the Company&#8217;s financial condition or results of operations. However, in the event of unexpected future developments, it is reasonably possible that an adverse outcome in any of the matters discussed above could be material to the Company&#8217;s business, consolidated financial position, results of operations or cash flows for any particular reporting period of occurrence.</div></div> 34273 34456 165564 133156000 121792000 133429000 120724000 1.73 1.78 1.64 1.73 1.78 1.64 0.1158 0.1209 0.1211 0.1147 47329000 47378000 49593000 49557000 68364000 71583000 68435000 71635000 1.00 1.00 3938668 3904212 25000000 25000000 3704375 3904212 3869939 3938668 3939000 3904000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;">11. EMPLOYEE BENEFIT PLANS</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;"><u>Noncontributory Defined Benefit Pension Plan</u></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers hired prior to January 1, 2007. The Bank also assumed the noncontributory defined benefit pension plan of FNB when it was acquired during 2015. The FNB plan was frozen prior to the acquisition and therefore, no additional benefits will accrue for employees covered under that plan. The Board of Directors in 2018 voted to terminate the plan acquired as part of the FNB acquisition with final settlement occurring in the fourth quarter of 2019. These two plans are collectively referred to herein as &#8220;the Plans&#8221;.&#160; The pension plans call for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank and compensation rates during employment. Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the pension plan. The Bank&#8217;s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the pension plans&#8217; actuary. The Bank did not make any contributions to the pension plans in 2019 and 2018. For the year ended December 31, 2017, the Bank contributed $3,000,000 to the pension plans.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">In lieu of the pension plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee&#8217;s base compensation.&#160; The contribution amount is placed in a separate account within the 401(k) plan and is subject to a vesting requirement. 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Due to the decision to terminate the pension plan acquired as part of the FNB acquisition, the discount rate for the plans will be separated for the 2019. 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color: rgb(0, 0, 0); font-weight: bold;"><u>Supplemental Executive Retirement Plan</u></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company maintains a non-qualified supplemental executive retirement plan (&#8220;SERP&#8221;) for certain executives to compensate those executive participants in the Company&#8217;s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law.&#160; At December 31, 2019 and 2018, an obligation of $2,002,000 and $1,751,000, respectively, for the SERP was included in other liabilities in the Consolidated Balance Sheet.&#160; Expenses related to the SERP totaled $251,000, $180,000 and $111,000 for the years ended December 31, 2019, 2018 and 2017, respectively.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;"><u>Deferred Compensation Plan</u></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); 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font-size: 10pt;"><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;">9. 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font-weight: bold;">203,793</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div style="font-family: &amp;quot;">179,971</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(255, 255, 255);"><div style="font-family: &amp;quot;">NOW accounts</div></td><td colspan="1" valign="bottom" style="text-align: right; 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font-weight: bold;">169,865</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255);"><div style="font-family: &amp;quot;">164,625</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="font-family: &amp;quot;">Certificates of deposit</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="font-family: &amp;quot; font-weight: bold;">272,731</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); 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font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);"><div style="font-family: &amp;quot; font-weight: bold;">1,211,118</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);"><div style="font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);"><div style="font-family: &amp;quot;">1,185,156</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 64%; background-color: rgb(204, 238, 255); padding-bottom: 4px;"><div>Net income applicable to common stock</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">19,490,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); 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background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; 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Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. 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Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company&#8217;s federal and state income tax returns for taxable years through 2015 have been closed for purposes of examination by the federal and state taxing authorities.</div><div><br /></div><div style="font-weight: bold;"><u>Investments in Qualified Affordable Housing Projects</u></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">As of December 31, 2019 and 2018, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $325,000 and $433,000 as of December 31, 2019 and 2018, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of December 31, 2019, the Company has $423,000 of tax credits remaining that will be recognized over four years. Tax credits of $141,000 were recognized as a reduction of tax expense during 2019, 2018 and 2017. 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As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000 in 2017.</font></div></div> 27000 87000 17000 3300000 4550000 3050000 34000 103000 256000 12000 147000 179000 80213000 61560000 25962000 1988 1724 2096 1623000 1346000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Intangible Assets</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Intangible assets, other than goodwill, include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete was amortized over four years on a straight line basis.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">MSRs arise from the Company originating certain loans for the express purpose of selling such loans in the secondary market.&#160; The Company maintains all servicing rights for these loans.&#160; The loans held for sale are carried at lower of cost or market.&#160; Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.&#160; MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.</div></div> 50458000 42127000 54911000 7000 60000 17000 1088000 1076000 48093000 61980000 56758000 7567000 9582000 8255000 15088000 15587000 15017000 14259000 15502000 13383000 15874000 14028000 12040000 9574000 5839000 2277000 2845000 2489000 3166000 3102000 1963000 2797000 2975000 2664000 2821000 1214000 9219000 4625000 6910000 42254000 47184000 49940000 12790000 12899000 11915000 11420000 11770000 12336000 12243000 11751000 4673000 3095000 3790000 2414000 1744000 1492000 45259000 48265000 39714000 9395000 12028000 5662000 407000 186000 319000 793000 1470000 298470000 272731000 4452000 4555000 1005185000 1007325000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Investment Securities</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Investment securities at the time of purchase are classified as one of the three following types:</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Held-to-Maturity Securities</u></font><font style="font-size: 10pt;"> - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2019 and 2018.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Trading Securities</u></font><font style="font-size: 10pt;"> - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2019 and 2018.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Available-for-Sale Securities</u></font><font style="font-size: 10pt;"> &#8211; Prior to January 1, 2018, this category included debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. Subsequent to January 1, 2018, it only includes debt securities not classified as held to maturity or trading securities. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.&#160; Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders&#8217; equity, net of the estimated income tax effect.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">Debt securities are periodically reviewed for other-than-temporary impairment. </font><font style="font-size: 10pt;">Management considers whether the present value of future cash flows expected to be collected are less than the security&#8217;s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company&#8217;s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security&#8217;s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Equity Securities</u></font><font style="font-size: 10pt; font-weight: bold;"> &#8211; </font><font style="font-size: 10pt;">For 2019 and 2018, this category includes common stocks of public companies that the Company has the positive intent and ability to hold for an indeterminate amount of time. Such securities are reported at fair value with unrealized holding gains and losses included in earnings.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Restricted Stock</u></font><font style="font-size: 10pt;"> - Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These restricted equity securities are accounted for at cost and are classified as other assets.</font></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; font-weight: bold;">4. 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background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);"><div style="font-weight: bold;">(302</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;"><div style="font-weight: bold;">)</div></td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; text-indent: -9pt; margin-left: 9pt; width: 30%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 30%; border-bottom: 2px solid rgb(0, 0, 0); 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width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="font-weight: bold;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 2px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 66%; padding-bottom: 4px; background-color: rgb(204, 238, 255);"><div>Net unrealized&#160; gains</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="font-weight: bold;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table><div style="text-align: justify; color: rgb(0, 0, 0);"><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Investment securities with an approximate carrying value of $209,096,000 and $221,191,000 at December 31, 2019 and 2018, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. 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width: 1%;">&#160;</td><td colspan="2" nowrap="nowrap" valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(204, 238, 255);"><div style="margin-left: 9pt;">Due in one year or less</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div style="font-weight: bold;">24,612</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; 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LEASES</div><div><br /></div><div style="text-align: justify; color: rgb(33, 37, 41); text-indent: 18pt;">A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, the Company adopted ASU No. 2016-02 <font style="font-style: italic;">&#8220;Leases&#8221; (Topic 842)</font> and all subsequent ASUs that modified Topic 842. 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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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Impaired loans are other commercial, other 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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">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><br /></div><div style="text-align: justify; text-indent: 18pt;">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 loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) state and political subdivision loans. 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width: 18pt;"><div style="text-align: left;">&#8226;</div></td><td style="align: left; vertical-align: top; width: auto;"><div>Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.</div></td></tr></table><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;"><tr style="vertical-align: top;"><td style="width: 18pt;">&#160;</td><td style="vertical-align: top; width: 18pt;"><div style="text-align: left;">&#8226;</div></td><td style="align: left; vertical-align: top; width: auto;"><div>Existence and effect of any credit concentrations, and changes in the level of such concentrations</div></td></tr></table><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;"><tr style="vertical-align: top;"><td style="width: 18pt;">&#160;</td><td style="vertical-align: top; width: 18pt;"><div style="text-align: left;">&#8226;</div></td><td style="align: left; vertical-align: top; width: auto;"><div>Any change in the level of board oversight</div></td></tr></table><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.</div></div> 1081883000 215305000 342023000 319265000 284520000 9858000 102718000 9947000 55112000 217088000 15519000 69970000 94446000 1115569000 33913000 74118000 42186000 311464000 60010000 157078000 156487000 58818000 14094000 4585000 13457000 14377000 4681000 0 1127000 0 815000 0 815000 815000 0 1126000 1126000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-style: italic; font-weight: bold;">Loan Charge-off Policies</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. 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'; font-size: 10pt;"><div style="text-align: justify; font-style: italic; font-weight: bold;">Troubled Debt Restructurings</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">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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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> 1062645000 0 0 1091006000 1068999000 0 1091006000 0 1101724000 1062645000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;">5. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central, central and south central Pennsylvania and southern New York.&#160; Although the Company had a diversified loan portfolio at December 31, 2019 and 2018, a substantial portion of its debtors&#8217; ability to honor their contracts is dependent on the economic conditions within these regions. 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font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">As of December 31, 2019 and 2018, net unamortized loan fees and costs of $937,000 and $918,000, respectively, were included in the carrying value of loans. </font><font style="font-size: 10pt;">Purchased loans acquired in connection with the FNB acquisition and the State College branch acquisition were recorded at fair value on their purchase date without a carryover of the related allowance for loan losses.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">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. PCI 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. The fair value of PCI loans, on the acquisition date, was determined, primarily based on the fair value of the loans&#8217; collateral. The carrying value of PCI loans was $1,282,000 and $1,859,000 at December 31, 2019 and 2018, respectively. 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Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $127,402,000 and $122,219,000 at December 31, 2019 and 2018, </font><font style="font-size: 10pt;">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 was not an active participant in the MPF program in 2019 or 2018. The MPF portfolio balance was $21,487,000 and $24,853,000 at December 31, 2019 and 2018, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $143,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $764,000 of losses. 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Construction real estate are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by collateral other than real estate and overdraft lines of credit connected with customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. 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><br /></div><div style="text-align: justify; text-indent: 18pt;">Management considers other commercial loans, other agricultural loans, commercial and agricultural real estate loans and state and political subdivision loans which are 90 days or more past due to be impaired. C<font style="color: rgb(0, 0, 0);">ertain 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. </font>These loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. 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vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div style="font-family: &amp;quot; font-weight: bold;">subdivision loans</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. 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text-align: right; width: 5%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">-</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #FFFFFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); 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vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;"><div style="font-weight: bold;">3</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;quot;">410</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;quot;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;quot;">10,780</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td></tr></table><div style="text-align: justify;"><br /></div><div style="text-align: justify; text-indent: 18pt;">As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. The following are explanations for the changes in the allowance by portfolio segments:</div><div><br /></div><div style="text-align: justify; font-weight: bold;">2019</div><div><br /></div><div style="text-indent: 18pt;">Residential - There was a slight increase in the historical loss factor for residential loans when comparing 2018 and 2019. The specific reserve for residential loans decreased slightly between 2018 and 2019.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2019.</div><div><br /></div><div style="text-indent: 18pt;">Commercial real estate&#8211; There was an increase in the historical loss factor for commercial real estate loans from 2018 to 2019. The specific reserve for commerciall real estate loans increased from 2018 to 2019. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2019. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of classified and past due loans.</div><div><br /></div><div style="text-indent: 18pt;">Agricultural real estate &#8211; There was an increase in the historical loss factor for agricultural real estate loans from 2018 to 2019.&#160; The specific reserve for agricultural real estate loans increased from 2018 to 2019. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in classified loans. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2019.</div><div><br /></div><div style="text-indent: 18pt;">Other commercial - There was a slight decrease in the historical loss factor for other commercial loans when comparing 2018 and 2019. The specific reserve for other commercial loans decreased from 2018 to 2019. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for other commercial loans due to a decrease in classified and non-accrual loans. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2019.</div><div><br /></div><div style="text-indent: 18pt;">Other agricultural - There was a slight increase in the historical loss factor for other agricultural loans from 2018 to 2019.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural loan categories due to an increase in the unemployment rates in the local economy during 2019.</div><div><br /></div><div style="text-indent: 18pt;">Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2018 to 2019. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2019. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of special mention loans.</div><div><br /></div><div style="text-align: justify; font-weight: bold;">2018</div><div><br /></div><div style="text-indent: 18pt;">Residential - There was a slight increase in the historical loss factor for residential loans when comparing 2017 and 2018. The specific reserve for residential loans decreased slightly between 2017 and 2018.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loan categories due to a decrease in the unemployment rates in the local economy during 2018.</div><div><br /></div><div style="text-indent: 18pt;">Commercial real estate&#8211; There was no change in the historical loss factor for commercial real estate loans from 2017 to 2018. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all commercial real estate loans due to a decrease in the unemployment rates in the local economy during 2018. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of substandard loans.</div><div><br /></div><div style="text-indent: 18pt;">Agricultural real estate &#8211; There was no change in the historical loss factor for agricultural real estate loans from 2017 to 2018.&#160; The specific reserve for agricultural real estate loans increased from 2017 to 2018. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in classified and past due loans.&#160; The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses, was increased for agricultural real estate due to the prices received for products sold in relation to costs to produce, specifically in the dairy economy in 2018 which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for agricultural real estate loans due to a decrease in the unemployment rates in the local economy during 2018.</div><div><br /></div><div style="text-indent: 18pt;">Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2017 and 2018. The specific reserve for other commercial loans decreased from 2017 to 2018. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to a decrease in the unemployment rates in the local economy during 2018.</div><div><br /></div><div style="text-indent: 18pt;">Other agricultural - There was an increase in the historical loss factor for other agricultural loans from 2017 to 2018.&#160; The specific reserve for other agricultural loans increased from 2017 to 2018. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other agricultural loans due to an increase in past due loans. The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses, was increased for other agricultural loans due to the prices received for products sold in relation to costs to produce, specifically in the dairy economy in 2018 which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural loan categories due to a decrease in the unemployment rates in the local economy during 2018.</div><div><br /></div><div style="text-indent: 18pt;">Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2017 to 2018. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in the unemployment rates in the local economy during 2018.</div><div><br /></div><div style="text-align: justify; font-weight: bold;">2017</div><div><br /></div><div style="text-indent: 18pt;">Residential - There was an increase in the historical loss factor for residential loans when comparing 2016 and 2017. The specific reserve for residential loans increased slightly between 2016 and 2017.&#160;&#160; The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for residential loans due to an increase in past due.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loan categories due to an decrease in the unemployment rates in the local economy during 2017.</div><div><br /></div><div style="text-indent: 18pt;">Commercial real estate&#8211; There was a decrease in the historical loss factor for commercial real estate loans when comparing 2016 and 2017. The specific reserve for commercial real estate loans increased slightly between 2016 and 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all commercial real estate loans due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of substandard loans.</div><div><br /></div><div style="text-indent: 18pt;">Agricultural real estate &#8211; There was an increase in the historical loss factor for agricultural real estate loans from 2016 to 2017.&#160; The specific reserve for agricultural real estate loans decreased from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in classified loans.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for agricultural real estate loans due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for agricultural real estate loans due to growth in these loan categories.</div><div><br /></div><div style="text-indent: 18pt;">Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2016 and 2017. The specific reserve for other commercial loans decreased from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased due to the decrease in non-accrual loans and past due loans.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were decreased for other commercial loans due to limited organic growth in these loan categories.</div><div><br /></div><div style="text-indent: 18pt;">Other agricultural - There was an increase in the historical loss factor for other agricultural loans from 2016 to 2017.&#160; The specific reserve for other agricultural loans decreased slightly from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other agricultural loans due to an increase in past due, non-accrual and substandard loans. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural loan categories due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for other agricultural loans due to growth in these loan categories.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2016 to 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in the unemployment rates in the local economy during 2017.</div></div> 815000 1127000 0 63592000 4725000 6800000 10000000 0 701000 516000 479000 21487000 24853000 0 63399000 0 63399000 46186000 46186000 0 0 21767000 15739000 21486000 9196000 7372000 7362000 -32323000 -72351000 -105425000 -425000 0 2734000 12279000 49145000 90449000 -7599000 -6113000 -7606000 19490000 13025000 18034000 19490000 18034000 13025000 -195000 -162000 -15000 535000 -148000 -147000 20000 -215000 683000 18034000 19490000 13025000 4691000 4581000 4515000 5043000 5196000 4405000 4247000 4846000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-style: italic; font-weight: bold;">Recent Accounting Pronouncements - Adopted</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">In February 2016, the FASB issued ASU 2016-02, </font><font style="font-size: 10pt; font-style: italic; color: rgb(0, 0, 0);">Leases (Topic 842)</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">.&#160; The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. &#160;A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. &#160;A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.&#160; For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. </font><font style="font-size: 10pt;">ASU 2016-02 was effective for the Company on January 1, 2019. In July 2018, the FASB issued ASU 2018-11, <font style="font-style: italic;">&#8220;Leases (Topic 842) - Targeted Improvements,&#8221;</font> which, among other things, provides an additional transition method that would allow entities to not apply the guidance in ASU 2016-02 in the comparative periods presented in the financial statements and instead recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. In December 2018, the FASB also issued <font style="font-style: italic;">ASU 2018-20, &#8220;Leases (Topic 842) - Narrow-Scope Improvements for Lessors,&#8221; </font>which provides for certain policy elections and changes lessor accounting for sales and similar taxes and certain lessor costs. Upon adoption of ASU 2016-02, ASU 2018-11 and ASU 2018-20 on January 1, 2019, we recognized a right-of-use asset and a related lease liability totaling $1,454,000 each. We elected to apply certain practical expedients provided under ASU 2016-02 whereby we did not reassess (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases and (iii) initial direct costs for any existing leases. We also elected not to apply the recognition requirements of ASU 2016-02 to any short-term leases (as defined by related accounting guidance). We account for lease and non-lease components separately because such amounts are readily determinable under our lease contracts. We utilized the modified-retrospective transition approach prescribed by ASU 2018-11. Certain of the Company&#8217;s leases contain options to renew the lease after the initial term. Management considers the Company&#8217;s historical pattern of exercising renewal options on leases and the positive performance of the leased locations, when determining whether it is reasonably certain that the leases will be renewed. If management concludes that there is reasonable certainty about the renewal it is included in the calculation of the remaining term of each applicable lease. The discount rate utilized in calculating the present value of the remaining lease payments for each lease was the Federal Home Loan Bank of Pittsburgh advance rate corresponding to the remaining maturity of the lease as of January 1, 2019. We have included additional disclosures in Note 17 of the &#8220;Notes to Consolidated Financial Statements.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-08, <font style="font-style: italic;">Receivables &#8211; Nonrefundable Fees and Other Costs (Subtopic 310-20).</font> The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.&#160; For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.&#160;&#160;&#160; This Update did not have a significant impact on the Company&#8217;s financial statements.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Recent Accounting Pronouncements &#8211; Not yet effective</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">In June 2016, the FASB issued ASU 2016-13, </font><font style="font-size: 10pt; font-style: italic; color: rgb(0, 0, 0);">Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">, which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.&#160; The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management&#8217;s current estimate of credit losses that are expected to occur over the remaining life of a financial asset.&#160; The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; </font><font style="font-size: 10pt;">In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. <font style="color: rgb(0, 0, 0);">We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. </font>In that regard, we have formed a cross-functional working group. The working group is comprised of individuals from various functional areas including credit, loan origination and finance. We are currently working through our implementation plan which includes assessment and documentation of processes, internal controls and data sources; model development and documentation; and system configuration, among other things. We are also in the process of implementing a third-party vendor solution to assist us in the application of the ASU 2016-13. The adoption of the ASU 2016-13 could result in an increase in the allowance for loan losses as a result of changing from an &#8220;incurred loss&#8221; model, which encompasses allowances for current known and inherent losses within the portfolio, to an &#8220;expected loss&#8221; model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. While we are currently unable to reasonably estimate the impact of adopting ASU 2016-13, we expect that the impact of adoption will be significantly influenced by the composition, characteristics and quality of our loan portfolio as well as the prevailing economic conditions and forecasts as of the adoption date.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In January 2017, the FASB issued ASU 2017-04, <font style="font-style: italic;">Simplifying the Test for Goodwill Impairment</font>. To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.&#160; In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.&#160; Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.&#160; A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>, which deferred the effective date for ASC 350, <font style="font-style: italic;">Intangibles &#8211; Goodwill and Other</font>, for smaller reporting companies to fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In August 2018, the FASB issued ASU 2018-13, <font style="font-style: italic;">Fair Value Measurement (Topic 820): Disclosure Framework &#8211; Changes the Disclosure Requirements for Fair Value Measurements</font>.&#160; The Update removes the requirement to disclose the amount of and reasons for transfers between Level I and Level II of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level III fair value measurements. The Update requires disclosure of changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level III fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level III fair value measurements. This Update is effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019.&#160; This Update is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</div><div><br /></div><div style="text-align: justify;">In August 2018, the FASB issued ASU 2018-14, <font style="font-style: italic;">Compensation &#8211; Retirement Benefits (Topic 715-20).</font> This Update amends ASC 715 to add, remove and clarify disclosure requirements related to defined benefit pension and other postretirement plans. The Update eliminates the requirement to disclose the amounts in accumulated other comprehensive income expected to be recognized as part of net periodic benefit cost over the next year. The Update also removes the disclosure requirements for the effects of a one-percentage-point change on the assumed health care costs and the effect of this change in rates on service cost, interest cost and the benefit obligation for postretirement health care benefits. This Update is effective for public business entities for fiscal years ending after December 15, 2020, and must be applied on a retrospective basis.&#160; For all other entities, this Update is effective for fiscal years ending after Dec<font style="color: rgb(0, 0, 0);">ember 15, 2021.&#160; This Update is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In March 2019, the FASB issued ASU 2019-01, <font style="font-style: italic;">Leases (Topic 842): Codification Improvements, </font>which addressed issues lessors sometimes encounter. Specifically addressed in this Update were issues related to 1) determining the fair value of the underlying asset by the lessor that are not manufacturers or dealers (generally financial institutions and captive finance companies), and 2) lessors that are depository and lending institutions should classify principal and payments received under sales-type and direct financing leases within investing activities in the cash flow statement. The ASU also exempts both lessees and lessors from having to provide the interim disclosures<font style="color: rgb(0, 0, 0);"> required by ASC 250-10-50-3 in the fiscal year in which a company adopts the new leases standard. The amendments addressing the two lessor accounting issues are effective for public business entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other entities, the effective date is for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In April 2019, the FASB issued ASU 2019-04, <font style="font-style: italic;">Codification Improvements to Topic 326, Financial Instruments &#8211; Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, </font>which affects a variety of topics in the Codification and applies to all reporting entities within the scope of the affected accounting guidance. <font style="font-style: italic;">Topic 326, Financial Instruments &#8211; Credit Losses</font> amendments are effective for SEC registrants for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other public business entities, the effective date is for fiscal years beginning after December 15, 2020, and for all other entities, the effective date is for fiscal years beginning after December 15, 2021.&#160; <font style="font-style: italic;">Topic 815, Derivatives and Hedging </font>amendments are effective for public business entities for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. For entities that have adopted the amendments in Update 2017-12, the effective date is as of the beginning of the first annual period beginning after the issuance of this Update. <font style="font-style: italic;">Topic 825, Financial Instruments </font>amendments<font style="font-style: italic;">&#160;</font>are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years. In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs. &#160;</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In May 2019, the FASB issued ASU 2019-05, <font style="font-style: italic;">Financial Instruments &#8211; Credit Losses, Topic 326</font>, which allows entities to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost upon adoption of the new credit losses standard. To be eligible for the transition election, the existing financial asset must otherwise be both within the scope of the new credit losses standard and eligible for the applying the fair value option in ASC 825-10.3. The election must be applied on an instrument-by-instrument basis and is not available for either available-for-sale or held-to-maturity debt securities. For entities that elect the fair value option, the difference between the carrying amount and the fair value of the financial asset would be recognized through a cumulative-effect adjustment to opening retained earnings as of the date an entity adopted ASU 2016-13. Changes in fair value of that financial asset would subsequently be reported in current earnings. For entities that have not yet adopted ASU 2016-13, the effective dates and transition requirements are the same as those in ASU 2016-13. For entities that have adopted ASU 2016-13, ASU 2019-05 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted once ASU 2016-13 has been adopted.&#160; In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. The Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Company qualifies as a smaller reporting company and does not expect to early adopt ASU 2016-13.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">In July 2019, the FASB issued ASU 2019-07, <font style="font-style: italic;">Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. </font>This ASU amends various SEC paragraphs pursuant to the issuance of SEC Final Rule Releases No. 33-10532, <font style="font-style: italic;">Disclosure Update and Simplification</font>, and Nos. 33-10231 and 33-10442, <font style="font-style: italic;">Investment Company Reporting Modernization</font>. Other miscellaneous updates to agree to the electronic Code of Federal Regulations also have been incorporated.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. The Update defers the effective dates of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. This Update also amends the mandatory effective date for the elimination of Step 2 from the goodwill impairment test under ASU No. 2017-04, <font style="font-style: italic;">Intangibles &#8210; Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment (Goodwill)</font>,<font style="font-style: italic;">&#160;</font>to align with those used for credit losses. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging and leases for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In November 2019, the FASB issued ASU 2019-11, <font style="font-style: italic;">Codification Improvements to Topic 326, Financial Instruments &#8211; Credit Losses</font>, to clarify its new credit impairment guidance in ASC 326, based on implementation issues raised by stakeholders. This Update clarified, among other things, that expected recoveries are to be included in the allowance for credit losses for these financial assets; an accounting policy election can be made to adjust the effective interest rate for existing troubled debt restructurings based on the prepayment assumptions instead of the prepayment assumptions applicable immediately prior to the restructuring event; and extends the practical expedient to exclude accrued interest receivable from all additional relevant disclosures involving amortized cost basis. The effective dates in this Update are the same as those applicable for ASU 2019-10. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In December 2019, the FASB issued ASU 2019-12, <font style="font-style: italic;">Income Taxes (Topic 740)</font>, to simplify the accounting for income taxes, change the accounting for certain tax transactions, and make minor improvements to the codification. This Update provides a policy election to not allocate consolidated income taxes when a member of a consolidated tax return is not subject to income tax and provides guidance to evaluate whether a step-up in tax basis of goodwill relates to a business combination in which book goodwill was recognized or a separate transaction. The Update also changes current guidance for making an intraperiod allocation, if there is a loss in continuing operations and gains outside of continuing operations; determining when a deferred tax liability is recognized after an investor in a foreign entity transitions to or from the equity method of accounting; accounting for tax law changes and year-to-date losses in interim periods; and determining how to apply the income tax guidance to franchise taxes that are partially based on income. For public business entities, the amendments in this Update are effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2020. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In January 2020, the FASB issued ASU 2020-1, <font style="font-style: italic;">Investments &#8211; Equity Securities (Topic 321), Investments &#8211; Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815)</font>, to clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that, for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option, in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div></div> 179971000 203793000 7735000 8656000 8386000 2022000 1835000 2140000 2083000 1997000 2022000 1900000 1997000 203793000 179971000 568000 537000 588000 29314000 33341000 31557000 8368000 7788000 8235000 8414000 7702000 8322000 8237000 7832000 2800000 226040000 23000 25719000 0 0 82000 0 0 329831000 1834000 26000 319265000 0 0 74118000 10743000 0 0 9858000 0 0 453000 51711000 69970000 28000 9832000 2324000 14261000 0 55112000 156487000 93993000 0 7848000 33913000 0 94446000 92666000 58818000 1724000 22826000 225163000 9771000 0 9947000 38628000 1207000 155360000 15519000 777000 0 297690000 264732000 60010000 0 798054000 0 64000 156000 58736000 10792000 42186000 0 0 856720000 2042000 0 9481000 10159000 70425000 284520000 32791000 0 0 287044000 156151000 311464000 571000 0 4305000 59950000 972000 0 23000 103000 844978000 0 102718000 1099000 9939000 20627000 0 39000 116000 904000 888534000 0 984000 0 223928000 227035000 33913000 60000 15519000 157078000 0 28000 8000 0 10017000 0 40000 1077000 342023000 66880000 1 3283000 -847000 -912000 -186000 3097000 -720000 34000 -65000 -686000 1988000 2174000 2126000 P6Y0M25D 1454000 1163000 340000 us-gaap:OtherLiabilities us-gaap:OtherAssets 0.0315 1454000 1163000 1163000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="text-align: justify; color: rgb(0, 0, 0); font-weight: bold;">1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Business and Organization</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">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;Bank (the &#8220;Bank&#8221;), and its wholly owned </font><font style="font-size: 10pt;">subsidiaries, First Citizens Insurance Agency, Inc. (&#8220;First Citizens Insurance&#8221;) and 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> Realty of PA, LLC (&#8220;Realty&#8221;). Realty was formed in March of 2019 to manage and sell properties acquired by the Bank in the settlement of a bankruptcy filing with a commercial customer.<font style="color: rgb(0, 0, 0);">&#160; On December 11, 2015, the Company completed its acquisition of The First National Bank of Fredericksburg (FNB). &#160;On December 8, 2017, the Bank completed its acquisition of the S&amp;T Bank branch in State College (State College). As of December 31, 2019, the Bank operates twenty seven full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill and Centre counties, Pennsylvania and Allegany County, New York, and a limited branch office in Union county, Pennsylvania. 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. The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services.&#160; The Company and Bank are supervised by the Board of Governors of the Federal Reserve System, while the Bank is subject to additional regulation and supervision by the Pennsylvania Department of Banking.</font></font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Basis of Presentation</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiaries, First Citizens Insurance Agency, Inc. and 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> Realty of PA, LLC.&#160; These statements have been prepared in accordance with U.S. generally accepted accounting principles.&#160; All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Use of Estimates</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.&#160; Actual results could differ significantly from those estimates.&#160; Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses, pension plans and deferred tax assets and liabilities.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Operating Segments</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.&#160; While the Company&#8217;s chief decision makers monitor the revenue streams of the various Company&#8217;s products, services and regions, operations are managed and financial performance is evaluated on a Company-wide basis.&#160; Consistent with our internal reporting, the Company&#8217;s business activities are reported as one segment, which is community banking.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Cash and Cash Equivalents</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.&#160; Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Investment Securities</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Investment securities at the time of purchase are classified as one of the three following types:</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Held-to-Maturity Securities</u></font><font style="font-size: 10pt;"> - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2019 and 2018.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Trading Securities</u></font><font style="font-size: 10pt;"> - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2019 and 2018.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Available-for-Sale Securities</u></font><font style="font-size: 10pt;"> &#8211; Prior to January 1, 2018, this category included debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. Subsequent to January 1, 2018, it only includes debt securities not classified as held to maturity or trading securities. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.&#160; Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders&#8217; equity, net of the estimated income tax effect.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">Debt securities are periodically reviewed for other-than-temporary impairment. </font><font style="font-size: 10pt;">Management considers whether the present value of future cash flows expected to be collected are less than the security&#8217;s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company&#8217;s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security&#8217;s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Equity Securities</u></font><font style="font-size: 10pt; font-weight: bold;"> &#8211; </font><font style="font-size: 10pt;">For 2019 and 2018, this category includes common stocks of public companies that the Company has the positive intent and ability to hold for an indeterminate amount of time. Such securities are reported at fair value with unrealized holding gains and losses included in earnings.</font></div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; font-weight: bold;"><u>Restricted Stock</u></font><font style="font-size: 10pt;"> - Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These restricted equity securities are accounted for at cost and are classified as other assets.</font></div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Loans Held for Sale</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#8217;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Loans</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.&#160; Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Allowance for Loan Losses</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in the Company&#8217;s 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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Impaired loans are other commercial, other 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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">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><br /></div><div style="text-align: justify; text-indent: 18pt;">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 loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each risk category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non classified loans. 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width: 18pt;"><div style="text-align: left;">&#8226;</div></td><td style="align: left; vertical-align: top; width: auto;"><div>Any change in the level of board oversight</div></td></tr></table><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Loan Charge-off Policies</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-weight: bold;">Troubled Debt Restructurings</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">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. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Purchased Credit Impaired Loans</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company purchased loans in connection with its acquisition of FNB in 2015 and its acquisition of the State College branch in 2017, some of which showed evidence of credit deterioration as of the acquisition since origination. These purchased credit impaired (&#8220;PCI&#8221;) loans were recorded at the amount paid, such that there is no carryover of the seller&#8217;s allowance for loan losses. After acquisition, losses are recognized by an increase in the allowance for loan losses. Over the life of the loan, expected cash flows continue to be estimated. If this subsequent estimate indicated that the present value of expected cash flows is less than the carrying amount, a charge to the allowance for loan loss is made through a provision. If the estimate indicates that the present value of the expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Such PCI loans are accounted for individually, and the Company estimates the amount and timing of expected cash flows for each loan. The expected cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan&#8217;s contractual principal and interest over expected cash flows is not amortized over the remaining life of the loan (nonaccretable difference).</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">For loans purchased that did not show evidence of credit deterioration, the difference between the fair value of the loan at the acquisition date and the loan&#8217;s face value is being amortized as a yield adjustment over the estimated remaining life of the loan using the effective interest method.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Foreclosed Assets Held For Sale</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, as 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><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Premises and Equipment</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">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><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company has operating leases for several branch locations. Generally, the underlying lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company may also lease certain office equipment under operating leases. Many of our leases include both lease (e.g., minimum rent payments) and non-lease components (e.g., common-area or other maintenance costs). The Company accounts for each component separately based on the standalone price of each component. In addition, there are several operating leases with lease terms of less than one year and therefore, we have elected the practical expedient to exclude these short-term leases from our right of use (ROU) assets and lease liabilities.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management and is based on whether the extension options are reasonably certain to be exercised after giving proper consideration to all facts and circumstances of the lease. If management determines that the Company is reasonably certain to exercise the extension option(s), the additional term is included in the calculation of the lease liability.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">As most of our leases do not provide an implicit rate, we use the fully collateralized FHLB borrowing rate, commensurate with the lease terms based on the information available at the lease commencement date in determining the present value of the lease payments</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Intangible Assets</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Intangible assets, other than goodwill, include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete was amortized over four years on a straight line basis.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">MSRs arise from the Company originating certain loans for the express purpose of selling such loans in the secondary market.&#160; The Company maintains all servicing rights for these loans.&#160; The loans held for sale are carried at lower of cost or market.&#160; Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.&#160; MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Goodwill</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis.&#160; This approach could cause more volatility in the Company&#8217;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts.&#160; The Company may also perform a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying value. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2019, 2018 or 2017.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Bank Owned Life Insurance</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015</font><font style="font-size: 10pt;">, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured so that any death benefits received from a policy while the insured person is an active employee of the Bank will be split with the beneficiary of the policy.&#160; Under these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy<font style="color: rgb(0, 0, 0);">. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. The policies obtained as part of the acquisition provide a fixed dollar benefit to the former employee or director beneficiaries, whether or not the insured person is affiliated with the Company at the time of his or her death. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized.&#160; Increases in the cash surrender value are recognized as other non-interest income.&#160; The obligation of $684,000 and $648,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.at December 31, 2019 and 2018. The expenses associated with the split dollar benefit were $36,000, $69,000 and $10,000 for 2019,&#160; 2018 and 2017, respectively.</font></font></div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Income Taxes</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">The Company and the Bank file a consolidated federal income tax return.&#160; Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.&#160; Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period. </font><font style="font-size: 10pt;">The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the federal corporate income tax rate from 35% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000 in 2017.</font></div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Employee Benefit Plans</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company has noncontributory defined benefit pension plans covering employees hired before January 1, 2007 and employees acquired as part of the FNB acquisition. It is the Company&#8217;s policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future. The plan acquired as part of the FNB acquisition was terminated in 2019.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k).&#160;&#160; Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee&#8217;s base compensation.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants.&#160; The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors.&#160; Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria.&#160; Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company has an employee stock purchase plan that allows employees to withhold money from their paychecks, which is then utilized to purchase shares of the Company&#8217;s stock on either the open market or through treasury stock, if shares are unavailable on the open market.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company maintains a non-qualified supplemental executive retirement plan (&#8220;SERP&#8221;) for certain executives to compensate those executive participants in the Company&#8217;s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law.&#160; The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company.&#160; Expenses under the SERP are recognized as earned over the expected years of service.&#160;</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">The Company </font><font style="font-size: 10pt;">maintains a non-tax qualified executive deferred compensation plan (&#8220;Deferred Compensation Plan&#8221;) for eligible employees designated by the board of directors.&#160; Each of the named executive officers are eligible to participate in the Deferred Compensation Plan.<font style="color: rgb(0, 0, 0);"> The Deferred Compensation Plan is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the Deferred Compensation Plan are payable from the general assets of the Company.&#160; Expenses under the Deferred Compensation Plan are recognized as earned over the expected years of service.</font></font></div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Advertising Costs</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">Advertising costs are generally expensed as incurred and amounted to $466,000, $361,000 and $343,000 for the years ended December 31, 2019, 2018 and 2017, respectively.</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Comprehensive Income Loss</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive income loss is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio and unrecognized pension costs.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Recent Accounting Pronouncements - Adopted</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">In February 2016, the FASB issued ASU 2016-02, </font><font style="font-size: 10pt; font-style: italic; color: rgb(0, 0, 0);">Leases (Topic 842)</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">.&#160; The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. &#160;A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. &#160;A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.&#160; For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. </font><font style="font-size: 10pt;">ASU 2016-02 was effective for the Company on January 1, 2019. In July 2018, the FASB issued ASU 2018-11, <font style="font-style: italic;">&#8220;Leases (Topic 842) - Targeted Improvements,&#8221;</font> which, among other things, provides an additional transition method that would allow entities to not apply the guidance in ASU 2016-02 in the comparative periods presented in the financial statements and instead recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. In December 2018, the FASB also issued <font style="font-style: italic;">ASU 2018-20, &#8220;Leases (Topic 842) - Narrow-Scope Improvements for Lessors,&#8221; </font>which provides for certain policy elections and changes lessor accounting for sales and similar taxes and certain lessor costs. Upon adoption of ASU 2016-02, ASU 2018-11 and ASU 2018-20 on January 1, 2019, we recognized a right-of-use asset and a related lease liability totaling $1,454,000 each. We elected to apply certain practical expedients provided under ASU 2016-02 whereby we did not reassess (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases and (iii) initial direct costs for any existing leases. We also elected not to apply the recognition requirements of ASU 2016-02 to any short-term leases (as defined by related accounting guidance). We account for lease and non-lease components separately because such amounts are readily determinable under our lease contracts. We utilized the modified-retrospective transition approach prescribed by ASU 2018-11. Certain of the Company&#8217;s leases contain options to renew the lease after the initial term. Management considers the Company&#8217;s historical pattern of exercising renewal options on leases and the positive performance of the leased locations, when determining whether it is reasonably certain that the leases will be renewed. If management concludes that there is reasonable certainty about the renewal it is included in the calculation of the remaining term of each applicable lease. The discount rate utilized in calculating the present value of the remaining lease payments for each lease was the Federal Home Loan Bank of Pittsburgh advance rate corresponding to the remaining maturity of the lease as of January 1, 2019. We have included additional disclosures in Note 17 of the &#8220;Notes to Consolidated Financial Statements.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-08, <font style="font-style: italic;">Receivables &#8211; Nonrefundable Fees and Other Costs (Subtopic 310-20).</font> The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.&#160; For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.&#160;&#160;&#160; This Update did not have a significant impact on the Company&#8217;s financial statements.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Recent Accounting Pronouncements &#8211; Not yet effective</div><div><br /></div><div style="text-align: justify; font-size: 12pt; text-indent: 18pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">In June 2016, the FASB issued ASU 2016-13, </font><font style="font-size: 10pt; font-style: italic; color: rgb(0, 0, 0);">Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments</font><font style="font-size: 10pt; color: rgb(0, 0, 0);">, which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.&#160; The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management&#8217;s current estimate of credit losses that are expected to occur over the remaining life of a financial asset.&#160; The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; </font><font style="font-size: 10pt;">In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. <font style="color: rgb(0, 0, 0);">We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. </font>In that regard, we have formed a cross-functional working group. The working group is comprised of individuals from various functional areas including credit, loan origination and finance. We are currently working through our implementation plan which includes assessment and documentation of processes, internal controls and data sources; model development and documentation; and system configuration, among other things. We are also in the process of implementing a third-party vendor solution to assist us in the application of the ASU 2016-13. The adoption of the ASU 2016-13 could result in an increase in the allowance for loan losses as a result of changing from an &#8220;incurred loss&#8221; model, which encompasses allowances for current known and inherent losses within the portfolio, to an &#8220;expected loss&#8221; model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. 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To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.&#160; In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.&#160; Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.&#160; A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>, which deferred the effective date for ASC 350, <font style="font-style: italic;">Intangibles &#8211; Goodwill and Other</font>, for smaller reporting companies to fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In August 2018, the FASB issued ASU 2018-13, <font style="font-style: italic;">Fair Value Measurement (Topic 820): Disclosure Framework &#8211; Changes the Disclosure Requirements for Fair Value Measurements</font>.&#160; The Update removes the requirement to disclose the amount of and reasons for transfers between Level I and Level II of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level III fair value measurements. The Update requires disclosure of changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level III fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level III fair value measurements. This Update is effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019.&#160; This Update is not expected to have a significant impact on the Company&#8217;s consolidated financial statements.</div><div><br /></div><div style="text-align: justify;">In August 2018, the FASB issued ASU 2018-14, <font style="font-style: italic;">Compensation &#8211; Retirement Benefits (Topic 715-20).</font> This Update amends ASC 715 to add, remove and clarify disclosure requirements related to defined benefit pension and other postretirement plans. The Update eliminates the requirement to disclose the amounts in accumulated other comprehensive income expected to be recognized as part of net periodic benefit cost over the next year. The Update also removes the disclosure requirements for the effects of a one-percentage-point change on the assumed health care costs and the effect of this change in rates on service cost, interest cost and the benefit obligation for postretirement health care benefits. 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Specifically addressed in this Update were issues related to 1) determining the fair value of the underlying asset by the lessor that are not manufacturers or dealers (generally financial institutions and captive finance companies), and 2) lessors that are depository and lending institutions should classify principal and payments received under sales-type and direct financing leases within investing activities in the cash flow statement. The ASU also exempts both lessees and lessors from having to provide the interim disclosures<font style="color: rgb(0, 0, 0);"> required by ASC 250-10-50-3 in the fiscal year in which a company adopts the new leases standard. The amendments addressing the two lessor accounting issues are effective for public business entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other entities, the effective date is for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. This Update is not expected to have a significant impact on the Company&#8217;s financial statements.</font></div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In April 2019, the FASB issued ASU 2019-04, <font style="font-style: italic;">Codification Improvements to Topic 326, Financial Instruments &#8211; Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, </font>which affects a variety of topics in the Codification and applies to all reporting entities within the scope of the affected accounting guidance. <font style="font-style: italic;">Topic 326, Financial Instruments &#8211; Credit Losses</font> amendments are effective for SEC registrants for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other public business entities, the effective date is for fiscal years beginning after December 15, 2020, and for all other entities, the effective date is for fiscal years beginning after December 15, 2021.&#160; <font style="font-style: italic;">Topic 815, Derivatives and Hedging </font>amendments are effective for public business entities for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. For entities that have adopted the amendments in Update 2017-12, the effective date is as of the beginning of the first annual period beginning after the issuance of this Update. <font style="font-style: italic;">Topic 825, Financial Instruments </font>amendments<font style="font-style: italic;">&#160;</font>are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years. In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs. &#160;</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In May 2019, the FASB issued ASU 2019-05, <font style="font-style: italic;">Financial Instruments &#8211; Credit Losses, Topic 326</font>, which allows entities to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost upon adoption of the new credit losses standard. To be eligible for the transition election, the existing financial asset must otherwise be both within the scope of the new credit losses standard and eligible for the applying the fair value option in ASC 825-10.3. The election must be applied on an instrument-by-instrument basis and is not available for either available-for-sale or held-to-maturity debt securities. For entities that elect the fair value option, the difference between the carrying amount and the fair value of the financial asset would be recognized through a cumulative-effect adjustment to opening retained earnings as of the date an entity adopted ASU 2016-13. Changes in fair value of that financial asset would subsequently be reported in current earnings. For entities that have not yet adopted ASU 2016-13, the effective dates and transition requirements are the same as those in ASU 2016-13. For entities that have adopted ASU 2016-13, ASU 2019-05 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted once ASU 2016-13 has been adopted.&#160; In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. The Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Company qualifies as a smaller reporting company and does not expect to early adopt ASU 2016-13.</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">In July 2019, the FASB issued ASU 2019-07, <font style="font-style: italic;">Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. </font>This ASU amends various SEC paragraphs pursuant to the issuance of SEC Final Rule Releases No. 33-10532, <font style="font-style: italic;">Disclosure Update and Simplification</font>, and Nos. 33-10231 and 33-10442, <font style="font-style: italic;">Investment Company Reporting Modernization</font>. Other miscellaneous updates to agree to the electronic Code of Federal Regulations also have been incorporated.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In November 2019, the FASB issued ASU 2019-10, <font style="font-style: italic;">Financial Instruments &#8210; Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842)</font>. The Update defers the effective dates of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. This Update also amends the mandatory effective date for the elimination of Step 2 from the goodwill impairment test under ASU No. 2017-04, <font style="font-style: italic;">Intangibles &#8210; Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment (Goodwill)</font>,<font style="font-style: italic;">&#160;</font>to align with those used for credit losses. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging and leases for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In November 2019, the FASB issued ASU 2019-11, <font style="font-style: italic;">Codification Improvements to Topic 326, Financial Instruments &#8211; Credit Losses</font>, to clarify its new credit impairment guidance in ASC 326, based on implementation issues raised by stakeholders. This Update clarified, among other things, that expected recoveries are to be included in the allowance for credit losses for these financial assets; an accounting policy election can be made to adjust the effective interest rate for existing troubled debt restructurings based on the prepayment assumptions instead of the prepayment assumptions applicable immediately prior to the restructuring event; and extends the practical expedient to exclude accrued interest receivable from all additional relevant disclosures involving amortized cost basis. The effective dates in this Update are the same as those applicable for ASU 2019-10. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In December 2019, the FASB issued ASU 2019-12, <font style="font-style: italic;">Income Taxes (Topic 740)</font>, to simplify the accounting for income taxes, change the accounting for certain tax transactions, and make minor improvements to the codification. This Update provides a policy election to not allocate consolidated income taxes when a member of a consolidated tax return is not subject to income tax and provides guidance to evaluate whether a step-up in tax basis of goodwill relates to a business combination in which book goodwill was recognized or a separate transaction. The Update also changes current guidance for making an intraperiod allocation, if there is a loss in continuing operations and gains outside of continuing operations; determining when a deferred tax liability is recognized after an investor in a foreign entity transitions to or from the equity method of accounting; accounting for tax law changes and year-to-date losses in interim periods; and determining how to apply the income tax guidance to franchise taxes that are partially based on income. For public business entities, the amendments in this Update are effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2020. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">In January 2020, the FASB issued ASU 2020-1, <font style="font-style: italic;">Investments &#8211; Equity Securities (Topic 321), Investments &#8211; Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815)</font>, to clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that, for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option, in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company&#8217;s financial position or results of operations.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-weight: bold;">Treasury Stock<br /></div><div style="text-align: justify; font-style: italic; font-weight: bold;"><br /></div><div style="text-align: justify; text-indent: 18pt;">The purchase of the Company&#8217;s common stock is recorded at cost.&#160; At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.</div><div><br /></div><div style="font-style: italic; font-weight: bold;">Cash Flows</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities.&#160; The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.&#160;</div><div><br /></div><div style="font-style: italic; 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vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; 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vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-weight: bold; text-indent: -9pt; margin-left: 9pt;">Loans considered non-accrual</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); 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width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); 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background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">12,170</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); 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vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(255, 255, 255);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">13,724</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td></tr><tr><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 36%; background-color: rgb(204, 238, 255); padding-bottom: 2px;"><div style="color: rgb(0, 0, 0); text-indent: -9pt; margin-left: 9pt;">Loans still accruing</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">1,966</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">1,342</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="color: rgb(0, 0, 0); font-family: &amp;amp;">68</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><div style="color: rgb(0, 0, 0); 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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><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">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><br /></div><div style="text-align: justify; text-indent: 18pt;">The Company has operating leases for several branch locations. Generally, the underlying lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company may also lease certain office equipment under operating leases. Many of our leases include both lease (e.g., minimum rent payments) and non-lease components (e.g., common-area or other maintenance costs). The Company accounts for each component separately based on the standalone price of each component. In addition, there are several operating leases with lease terms of less than one year and therefore, we have elected the practical expedient to exclude these short-term leases from our right of use (ROU) assets and lease liabilities.</div><div><br /></div><div style="text-align: justify; text-indent: 18pt;">Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management and is based on whether the extension options are reasonably certain to be exercised after giving proper consideration to all facts and circumstances of the lease. 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REGULATORY MATTERS</div><div><br /></div><div style="color: rgb(0, 0, 0); font-style: italic; font-weight: bold;">Dividend Restrictions:</div><div><br /></div><div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 18pt;">The approval of the Federal Reserve Board (FRB) is required for the Bank to pay dividends to the Company if the total of all dividends declared in any calendar year exceeds the Bank&#8217;s net income (as defined) for that year combined with its retained net income for the preceding two calendar years. 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Future amortization expense may vary from these projections:</div><div style="text-align: justify;"><br /></div><table border="0" cellpadding="0" cellspacing="0" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;"><tr><td valign="bottom" style="vertical-align: middle; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); width: 42%;"><div style="color: rgb(0, 0, 0); font-family: &amp;quot;">&#160;</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td><td colspan="2" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);"><div style="text-align: center; color: rgb(0, 0, 0); font-family: &amp;quot;">MSRs</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); 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vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div>7,788</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; 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width: 64%; background-color: rgb(204, 238, 255); padding-bottom: 4px;"><div>Net income applicable to common stock</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">19,490,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>18,034,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>13,025,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(255, 255, 255); padding-bottom: 4px;"><div>Weighted average common shares outstanding</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">3,520,832</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>3,539,674</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>3,550,094</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(204, 238, 255); padding-bottom: 4px;"><div>Earnings per share - basic</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">5.54</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>5.09</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>3.67</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(255, 255, 255);"><div>&#160;</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(204, 238, 255);"><div>Diluted earnings per share computation:</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(255, 255, 255); padding-bottom: 4px;"><div>Net income applicable to common stock</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">19,490,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>18,034,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>$</div></td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>13,025,000</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(204, 238, 255);"><div>&#160;</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; 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text-align: right; width: 9%; background-color: rgb(255, 255, 255);"><div>3,539,674</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255);"><div>3,550,094</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(204, 238, 255);"><div>Add: Dilutive effects of restricted stock</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div style="font-weight: bold;">2,096</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,988</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);"><div>1,724</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: rgb(255, 255, 255); padding-bottom: 4px;"><div>Weighted average common shares outstanding for dilutive earnings per share</div></td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 4px;">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div style="font-weight: bold;">3,522,928</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);">&#160;</td><td colspan="1" valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);"><div>3,541,662</div></td><td colspan="1" nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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