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The allowance is comprised of specific reserves on individually impaired loans, which are determined as described above, and general reserves which are determined based on historical loss experience as adjusted for current trends and economic conditions multiplied by a loss emergence period factor.&#160; Management uses eight quarters of historical loss experience weighted toward the most recent four quarters to determine the loss factors to be used in the reserve calculation for loans evaluated in the aggregate.&#160; Eight quarters has been determined to be an appropriate time period as it is recent enough to be relevant to current conditions and covers a length of time sufficient to minimize distortions caused by nonrecurring and unusual activity that might otherwise influence a shorter time period.&#160; In previous years, the weighted average was calculated by multiplying each quarter&#8217;s annualized historical net charge-off rate by 1 through 8, with 8 representing the most recent quarter and 1 representing the oldest quarter.&#160; Management adopted this method of weighting quarterly loss rates to capture the rapidly deteriorating credit conditions in its loss factors during the financial crisis.&#160; Now that credit conditions have begun to stabilize, management concluded in the first quarter of 2014 that it was appropriate to apply a more level weighting moving forward to capture the full range and impacts of credit losses experienced during the most recent economic and credit cycle.&#160; For the four most recent quarters, management applied a weighting factor of 1.75.&#160; For the four oldest quarters, management applied a weighting of 1.00 for each quarterly loss factor.&#160; Management believes the current weightings are more appropriate to measure the probable losses incurred within the loan portfolio.</font></div> <div style="font: 10pt/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="font: 10pt/normal 'times new roman'; 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word-spacing: 0px; white-space: normal; -webkit-text-stroke-width: 0px;">Derivative contracts that are not accounted for as hedging instruments under ASC 815,&#160;<font style="font-family: 'times new roman', times, serif; font-size: 10pt; font-style: italic;">Derivatives and Hedging&#160;</font>and are described as &#8220;customer derivatives&#8221;<font style="font-family: 'times new roman', times, serif; font-size: 10pt; font-style: italic;">&#160;</font>are between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back swap program.&#160; United also has three interest rate swap contracts that are not designated as hedging instruments but are economic hedges of market linked brokered certificates of deposit.&#160; The market linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and marked to market through earnings.&#160; The offsetting dealer swaps are economic hedges of the bifurcated embedded derivatives.</div> <div style="font: 13.33px/normal 'times new roman', times, serif; 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Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.</font></div> </td> </tr> <tr> <td style="width: 100px;"> <div>&#160;</div> </td> <td style="width: 1467px;"> <div>&#160;</div> </td> </tr> <tr> <td style="width: 100px;"> <div>&#160;</div> </td> <td style="width: 1467px;"> <div style="text-align: justify;"><font style="font-family: times new roman,times;"><font style="font-style: italic;">Level 3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity&#8217;s own assumptions, as there is little, if any, related market activity. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. 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The Bank is insured and subject to the regulation of the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;) and is also subject to the regulation of the Georgia Department of Banking and Finance.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Use of Estimates</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the balance sheet and revenue and expenses for the years then ended. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change are the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of goodwill and separately identifiable intangible assets associated with mergers and acquisitions, and the valuation of deferred tax assets.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Operating Segments</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; 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Unrealized holding gains and losses, net of the related tax effect, on available-for-sale securities are reported in other comprehensive income as a separate component of shareholders&#8217; equity until realized. Transfers of securities between categories are recorded at fair value at the date of transfer. Unrealized holding gains or losses associated with transfers of securities from available-for-sale to held-to-maturity are included in the balance of accumulated other comprehensive income in the consolidated balance sheet. 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Loans are charged against the allowance for loan losses when available information confirms that the collectability of the principal is unlikely. 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Depreciation is computed primarily using the straight-line method over the estimated useful lives of the related assets.&#160; Costs incurred for maintenance and repairs are expensed as incurred. 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If the fair value, less cost to sell at the time of foreclosure is less than the loan balance, the deficiency is recorded as a loan charge-off against the allowance for loan losses.&#160; If the fair value, less cost to sell, of the foreclosed property decreases during the holding period, a valuation allowance is established with a charge to operating expenses.&#160; When the foreclosed property is sold, a gain or loss is recognized on the sale for the difference between the sales proceeds and the carrying amount of the property.&#160; Financed sales of foreclosed property are accounted for in accordance with the&#160;Accounting Standards Codification Topic 360, Subtopic 20,&#160;<font style="font-style: italic; font-size: 10pt;">Real Estate Sales</font>&#160;(&#8220;ASC 360-20&#8221;).</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Transfers of Financial Assets</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">Transfers of financial assets are accounted for as sales when control over the assets has been relinquished.&#160; Control over transferred assets is deemed to be surrendered when the assets have been isolated from United, the transferee obtains the right, free of conditions that constrain it from taking advantage of that right, to pledge or exchange the transferred assets and United does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Bank Owned Life Insurance</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United has purchased life insurance policies on certain key executives and members of management.&#160; Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other changes or other amounts due that are probable at settlement.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Loan Commitments and Related Financial Instruments</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">Financial instruments include off-balance sheet credit instruments such as commitments to make loans and commercial letters of credit issued to meet customer financing needs.&#160; The face amount for these items represents the exposure to loss before considering customer collateral or ability to repay.&#160; Such financial instruments are recorded when they are funded.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Income Taxes</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">Deferred tax assets and liabilities are recorded for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Future tax benefits are recognized to the extent that realization of such benefits is more likely than not. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income taxes during the period that includes the enactment date.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">In the event the future tax consequences of differences between the financial reporting bases and the tax bases of United&#8217;s assets and liabilities results in deferred tax assets, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the deferred tax asset when it is more likely than not that some or all of the deferred tax asset will not be realized. In assessing the realizability of the deferred tax assets, management considers the scheduled reversals of deferred tax liabilities, projected future taxable earnings and prudent and feasible tax planning strategies.&#160; Management weighs both the positive and negative evidence, giving more weight to evidence that can be objectively verified.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">The income tax benefit or expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">A tax position is recognized as a benefit only if it is &#8220;more likely than not&#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.&#160; The amount recognized is the largest amount of tax benefit that is greater than 50 percent likely of being realized on examination.&#160; For tax positions not meeting the &#8220;more likely than not&#8221; test, no tax benefit is recorded.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United recognizes interest and / or penalties related to income tax matters in income tax expense.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Mortgage Banking Derivatives</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives.&#160; Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest rate on the loan is locked.&#160; United enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into in order to hedge the change in interest rates resulting from its commitments to fund the loans.&#160; United&#8217;s forward commitments for the future delivery of mortgage loans are based on United&#8217;s &#8220;best efforts&#8221; and therefore United is not penalized if a loan is not delivered to the investor if the loan did not get originated.&#160; Changes in the fair values of these derivatives generally offset each other and are included in &#8220;mortgage loan and other related fees&#8221; in the consolidated statement of operations.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Derivative Instruments and Hedging Activities</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United&#8217;s interest rate risk management strategy incorporates the use of derivative instruments to minimize fluctuations in net income that are caused by interest rate volatility.&#160; United&#8217;s goal is to manage interest rate sensitivity by modifying the repricing or maturity characteristics of certain balance sheet assets and liabilities so that the net interest margin is not, on a material basis, adversely affected by movements in interest rates.&#160; United views this strategy as a prudent management of interest rate risk, such that net income is not exposed to undue risk presented by changes in interest rates.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">In carrying out this part of its interest rate risk management strategy, United uses interest rate derivative contracts.&#160; The primary type of derivative contract used by United to manage interest rate risk is interest rate swaps.&#160; Interest rate swaps generally involve the exchange of fixed- and variable-rate interest payments between two parties, based on a common notional principal amount and maturity date.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United classifies its derivative financial instruments as either (1) a hedge of an exposure to changes in the fair value of a recorded asset or liability (&#8220;fair value hedge&#8221;), (2) a hedge of an exposure to changes in the cash flows of a recognized asset, liability or forecasted transaction (&#8220;cash flow hedge&#8221;), or (3) derivatives not designated as accounting hedges. Changes in the fair value of derivatives not designated as hedges are recognized in current period earnings. United has master netting agreements with the derivatives dealers with which it does business, but reflects gross assets and liabilities on the consolidated balance sheet.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United uses the long-haul method to assess hedge effectiveness. United documents, both at inception and over the life of the hedge, at least quarterly, its analysis of actual and expected hedge effectiveness. This analysis includes techniques such as regression analysis and hypothetical derivatives to demonstrate that the hedge has been, and is expected to be, highly effective in offsetting corresponding changes in the fair value or cash flows of the hedged item. For a qualifying fair value hedge, changes in the value of derivatives that have been highly effective as hedges are recognized in current period earnings along with the corresponding changes in the fair value of the designated hedged item attributable to the risk being hedged. For a qualifying cash flow hedge, the portion of changes in the fair value of the derivatives that have been highly effective are recognized in other comprehensive income until the related cash flows from the hedged item are recognized in earnings.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">For fair value hedges and cash flow hedges, ineffectiveness is recognized in the same income statement line as interest accruals on the hedged item to the extent that changes in the value of the derivative instruments do not perfectly offset changes in the value of the hedged items. If the hedge ceases to be highly effective, United discontinues hedge accounting and recognizes the changes in fair value in current period earnings. If a derivative that qualifies as a fair value or cash flow hedge is terminated or the designation removed, the realized or then unrealized gain or loss is recognized into income over the life of the hedged item (fair value hedge) or over the time when the hedged item was forecasted to impact earnings (cash flow hedge). Immediate recognition in earnings is required upon sale or extinguishment of the hedged item (fair value hedge) or if it is probable that the hedged cash flows will not occur (cash flow hedge).</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">By using derivative instruments, United is exposed to credit and market risk.&#160; If the counterparty fails to perform, credit risk is equal to the fair value gain in a derivative.&#160; When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay United, and, therefore, creates a repayment risk for United.&#160; When the fair value of a derivative contract is negative, United is obligated to pay the counterparty and, therefore, has no repayment risk.&#160; United minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by United.&#160; United also requires the counterparties to pledge securities as collateral to cover the net exposure.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United&#8217;s derivative activities are monitored by its Asset/Liability Management Committee (&#8220;ALCO&#8221;) as part of that committee&#8217;s oversight of United&#8217;s asset/liability and treasury functions.&#160; ALCO is responsible for implementing various hedging strategies that are developed through its analysis of data from financial simulation models and other internal and industry sources.&#160; The resulting hedging strategies are then incorporated into the overall interest-rate risk management process.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">&#160;</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">United recognizes the fair value of derivatives as assets or liabilities in the financial statements. The accounting for the changes in the fair value of a derivative depends on the intended use of the derivative instrument at inception. The change in fair value of instruments used as fair value hedges is accounted for in the net income of the period simultaneous with accounting for the fair value change of the item being hedged. The change in fair value of the effective portion of cash flow hedges is accounted for in other comprehensive income rather than net income. Changes in fair value of derivative instruments that are not designated as a hedge are accounted for in the net income of the period of the change.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt; font-weight: bold;"><u>Earnings Per Common Share</u></div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: justify; margin-left: 18pt;">Basic earnings per common share is net income available to common shareholders divided by the weighted average number of shares of common stock outstanding during the period.&#160; All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.&#160; Additionally, shares issuable to participants in United&#8217;s deferred compensation plan are considered to be participating securities for purposes of calculating basic earnings per share.&#160; Diluted earnings per common share includes the dilutive effect of additional potential shares of common stock issuable under stock options, warrants and securities convertible into common stock.</div> <div style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; 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padding-bottom: 2px; vertical-align: bottom;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom;" valign="bottom"></td> <td style="vertical-align: top; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; color: #000000; font-family: 'times new roman'; font-size: 10pt; font-weight: bold;">Investment</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom;" valign="bottom"></td> <td style="vertical-align: top; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; color: #000000; font-family: 'times new roman'; font-size: 10pt; font-weight: bold;">Contracts</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom;" valign="bottom"></td> <td style="vertical-align: top; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; color: #000000; font-family: 'times new roman'; font-size: 10pt; font-weight: bold;">Investment</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Owner occupied commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">12</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">4,793</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">4,793</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">104</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Income producing commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,459</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,459</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial &amp; industrial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">9</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,185</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,185</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">2</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">54</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial construction</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">6</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">829</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">829</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total commercial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">30</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">8,266</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">8,266</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">158</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential mortgage</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">39</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">3,622</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">3,445</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">9</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">892</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Home equity lines of credit</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">36</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">36</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential construction</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">4</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,262</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">1,262</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Consumer installment</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">5</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">226</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">226</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Indirect auto</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 4px; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total loans</div> </td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">79</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13,412</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13,235</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">12</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1,050</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; font-weight: bold;">Year ended December 31, 2013</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr style="height: 12px;"> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Owner occupied commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">12</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6,326</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">5,227</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">670</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Income producing commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">8</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6,157</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6,157</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial &amp; industrial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">14</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1,464</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1,208</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">35</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial construction</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">416</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">416</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1,454</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total commercial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">35</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">14,363</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13,008</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2,159</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential mortgage</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">49</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">7,098</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6,573</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">641</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Home equity lines of credit</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential construction</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">15</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2,160</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2,015</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">531</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Consumer installment</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">11</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">80</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">80</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">5</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">29</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Indirect auto</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 4px; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total loans</div> </td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">110</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">23,701</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">21,676</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">17</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 4px; border-bottom-style: double; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3,360</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; font-weight: bold;">Year ended December 31, 2012</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Owner occupied commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">31</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">17,387</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">15,865</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">$</div> </td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2,341</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Income producing commercial real estate</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">23</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">17,063</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">17,063</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">1</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">946</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial &amp; industrial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">22</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3,619</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3,616</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">71</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Commercial construction</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">20</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">34,014</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">33,934</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">4,224</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total commercial</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">96</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">72,083</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">70,478</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">7,582</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential mortgage</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">64</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">14,404</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13,575</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">10</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">650</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Home equity lines of credit</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">3</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">728</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">728</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Residential construction</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">49</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">19,909</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">17,400</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">16</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">5,728</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Consumer installment</div> </td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">25</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">334</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">328</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">4</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">39</div> </td> <td style="width: 1%; text-align: left; vertical-align: bottom; background-color: #f0ffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 2px; vertical-align: top; background-color: #ffffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt;">Indirect auto</div> </td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"></td> <td style="width: 9%; text-align: right; vertical-align: bottom; border-bottom-color: #000000; border-bottom-width: 2px; border-bottom-style: solid; background-color: #ffffff;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; vertical-align: bottom; background-color: #ffffff;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 38%; padding-bottom: 4px; vertical-align: top; background-color: #f0ffff;" valign="bottom"> <div style="text-align: left; color: #000000; font-family: 'times new roman'; font-size: 10pt; margin-left: 9pt;">Total loans</div> </td> <td style="width: 1%; padding-bottom: 4px; vertical-align: bottom; background-color: #f0ffff;" valign="bottom"></td> <td style="width: 1%; text-align: left; vertical-align: bottom; 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font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">Amount of Gain (Loss) Recognized in</div> </td> <td style="width: 1%; text-align: center; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 23%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt;" valign="bottom"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 16%; text-align: center; padding-bottom: 2px;" valign="bottom"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">in Income</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 28%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="10"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">Income on Derivative</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 28.21%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="10"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">Income on Hedged Item</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt;" valign="bottom" nowrap="nowrap"></td> </tr> <tr> <td style="width: 23%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt;" valign="bottom"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 16%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">on Derivative</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2014</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2013</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2012</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2014</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2013</div> </td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> <td style="width: 1%; text-align: center; padding-bottom: 2px; font-family: times new roman; font-size: 8pt; font-weight: bold;" valign="bottom"></td> <td style="width: 8.24%; text-align: center; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom" colspan="2"> <div style="text-align: center; text-indent: 0pt; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-right: 0pt; margin-left: 0pt; display: block;">2012</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt; font-weight: bold;" valign="bottom" nowrap="nowrap"></td> </tr> <tr bgcolor="#f0ffff"> <td align="left" style="width: 23%;" valign="bottom"> <div style="text-align: left; color: #000000; text-indent: 0pt; font-family: 'times new roman'; font-size: 10pt; margin-right: 0pt; margin-left: 0pt; display: block;">Fair value hedges of brokered CD&#8217;s</div> </td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td align="left" style="width: 16%;" valign="bottom"> <div style="text-align: left; text-indent: 0pt; font-family: times new roman; font-size: 10pt; margin-right: 0pt; margin-left: 0pt; display: block;">Interest expense</div> </td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">13,400</div> </div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(16,433</div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">540</div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(14,357</div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">16,981</div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; font-family: times new roman; font-size: 10pt; display: inline;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom">$</td> <td style="width: 7.21%; text-align: right; font-family: times new roman; font-size: 10pt;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">330</div> </td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> </tr> <tr style="height: 19px;" bgcolor="white"> <td style="width: 23%; text-align: left; padding-bottom: 2px; vertical-align: bottom;" nowrap="nowrap"> <div style="text-align: left; color: #000000; text-indent: 0pt; font-family: 'times new roman'; font-size: 10pt; margin-right: 0pt; margin-left: 0pt; display: block;">Fair value hedges of corporate bonds</div> </td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td align="left" style="width: 16%; padding-bottom: 2px;" valign="bottom"> <div style="text-align: left; text-indent: 0pt; font-family: times new roman; font-size: 10pt; margin-right: 0pt; margin-left: 0pt; display: block;">Interest revenue</div> </td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(2,487</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">6,285</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">2,163</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(5,765</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"></td> <td style="width: 7.21%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 2px; border-bottom-style: solid;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">&#8212;</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 2px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> </tr> <tr bgcolor="#f0ffff"> <td style="width: 23%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 16%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">10,913</div> </div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(10,148</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">540</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">(12,194</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">)</div> </td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">11,216</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> <td align="left" style="width: 1%; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom"></td> <td style="width: 1%; text-align: left; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom">$</td> <td style="width: 7.21%; text-align: right; font-family: times new roman; font-size: 10pt; border-bottom-color: black; border-bottom-width: 4px; border-bottom-style: double;" valign="bottom"> <div style="color: #000000; font-family: 'times new roman'; font-size: 10pt;">330</div> </td> <td style="width: 1%; text-align: left; padding-bottom: 4px; font-family: times new roman; font-size: 10pt;" valign="bottom" nowrap="nowrap"></td> </tr> </table> </div> <div style="text-align: center; clear: both;">&#160;</div> <div style="text-align: justify; font-family: 'times new roman', times, serif; font-size: 10pt; margin-left: 18pt;"><font style="font-family: times new roman,times;" size="2"><font style="font-family: 'times new roman', times, serif; font-size: 10pt; font-weight: 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1830000 266000 8087000 7019000 705000 363000 894151000 4539000 510861000 191448000 187303000 734155000 2481000 340718000 58166000 262311000 34180000 36299000 21200000 139000 13749000 6324000 988000 10756000 19000 7465000 1076000 1955000 66000 175000 469167000 39731000 419201000 7364000 264000 6003000 286000 78000 1132000 6369000 9980000 62000 9590000 26001000 6405000 9815000 62000 9505000 25787000 10430000 38262000 256986000 411218000 105540000 10771000 37891000 257886000 412257000 105709000 2101000 115776000 58581000 212932000 36474000 2165000 117172000 58966000 214602000 36299000 848000 1000000 2055000 130469000 134372000 892000 750000 2055000 129571000 133268000 1000000 1000000 1013000 1013000 18582000 18582000 19812000 19812000 19573000 19573000 21033000 21033000 9002000 9002000 9803000 9803000 301000000 8310000 1530000000 1510000000 113 21 0.10 0.10 130914000 96829000 25687000 8398000 77458000 56298000 15227000 5933000 53456000 40531000 10460000 2465000 107137000 78927000 17164000 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205278000 58182000 1003000 31935000 4609000 13946000 20906000 14558000 383000 114633000 78279000 27789000 507000 32748000 4290000 12156000 20132000 13058000 305000 109127000 75114000 25920000 518000 2602000 1051000 875000 1032000 1527000 26000 9531000 6920000 2392000 26000 1923000 401000 633000 1091000 993000 21000 6715000 4587000 1630000 23000 1647000 175000 455000 873000 576000 19000 5036000 3547000 1270000 21000 2773000 2523000 1268000 1158000 2054000 27000 12332000 9061000 2497000 32000 2044000 865000 720000 1066000 1023000 21000 7524000 5392000 1763000 22000 1712000 231000 458000 869000 575000 22000 5200000 3712000 1311000 22000 17717000 2252000 974000 4496000 9462000 47545000 33587000 12644000 12025000 1679000 2569000 4338000 28922000 22015000 8311000 14458000 2252000 974000 3634000 7807000 38872000 27431000 9747000 11325000 1042000 1472000 3338000 25488000 20678000 8311000 18595000 2248000 12821000 17119000 8469000 999000 78246000 51154000 17490000 505000 24728000 2936000 12401000 17732000 8962000 179000 83768000 56417000 16352000 478000 18513000 1965000 12741000 16533000 7001000 999000 75747000 50709000 17490000 505000 23329000 2935000 12321000 17303000 8266000 179000 80984000 54758000 16173000 478000 125791000 112690000 1023000 66000 112000 2914000 688000 224000 6022000 2191000 990000 5000 2737000 15000 729000 3227000 1192000 18000 9882000 5398000 1917000 47000 5822000 427000 361000 11730000 4264000 249000 26819000 9128000 2518000 1448000 4133000 1571000 83000 8196000 2006000 134000 17881000 6504000 717000 695000 346000 1845000 2349000 94000 9011000 1335000 1058000 21812000 8167000 3879000 2056000 185000 1444000 302000 5234000 1172000 607000 12242000 4068000 2322000 961000 200000 705000 223000 190000 2832000 588000 358000 7483000 3210000 2092000 430000 65000 1929000 40000 2931000 268000 136000 6925000 3141000 1172000 303000 146000 2017000 88000 235000 4140000 1375000 24000 9392000 2870000 530000 941000 42000 1141000 1425000 66000 3278000 1395000 33000 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