2020 Q2 Form 10-Q Financial Statement

#000119312520136839 Filed on May 08, 2020

View on sec.gov

Income Statement

Concept 2020 Q2 2020 Q1 2019 Q4
Revenue $9.709M
YoY Change 15.8%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.324M
YoY Change 6.9%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.850M $1.385M $2.600M
YoY Change 9.45% -2.6% 56.63%
Income Tax $390.0K $225.0K $630.0K
% Of Pretax Income 21.08% 16.25% 24.23%
Net Earnings $1.460M $1.160M $1.970M
YoY Change 6.51% -5.46% 14.53%
Net Earnings / Revenue 11.95%
Basic Earnings Per Share $0.21
Diluted Earnings Per Share $261.6K $0.21 $353.7K
COMMON SHARES
Basic Shares Outstanding 5.590M 5.579M 5.578M
Diluted Shares Outstanding 5.581M

Balance Sheet

Concept 2020 Q2 2020 Q1 2019 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $19.61M $15.94M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $24.30M $24.50M $24.67M
YoY Change 20.48% 25.25% 25.13%
Goodwill $13.13M $13.10M
YoY Change 315.97%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $1.300M $1.700M $3.700M
YoY Change -53.57% -63.04% -43.94%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.402B $1.216B $1.195B
YoY Change 35.61% 15.01% 24.7%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $700.0K $700.0K $1.100M
YoY Change 0.0% 0.0% 120.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $193.8M $159.4M $170.4M
YoY Change 47.6% 38.01% 57.78%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $700.0K $700.0K $1.100M
YoY Change 0.0% 0.0% 120.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $13.00M $11.30M $12.10M
YoY Change 18.18% 6.6% 19.8%
Total Long-Term Liabilities $13.00M $11.30M $12.10M
YoY Change 18.18% 6.6% 19.8%
TOTAL LIABILITIES
Total Short-Term Liabilities $700.0K $700.0K $1.100M
Total Long-Term Liabilities $13.00M $11.30M $12.10M
Total Liabilities $1.283B $1.097B $1.083B
YoY Change 36.79% 13.5% 23.76%
SHAREHOLDERS EQUITY
Retained Earnings $94.41M $94.59M
YoY Change 0.85% 1.1%
Common Stock $19.13M $19.00M
YoY Change 259.46% 259.9%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $119.4M $118.7M $112.8M
YoY Change
Total Liabilities & Shareholders Equity $1.402B $1.216B $1.195B
YoY Change 35.61% 15.01% 24.7%

Cashflow Statement

Concept 2020 Q2 2020 Q1 2019 Q4
OPERATING ACTIVITIES
Net Income $1.460M $1.160M $1.970M
YoY Change 6.51% -5.46% 14.53%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities $3.530M $2.340M $4.630M
YoY Change 6.65% 18.3% 38.62%
INVESTING ACTIVITIES
Capital Expenditures -$90.00K $70.00K -$80.00K
YoY Change -89.16% 55.56% 0.0%
Acquisitions
YoY Change
Other Investing Activities -$185.5M -$13.27M $46.80M
YoY Change -595.72% -85.62% 620.0%
Cash From Investing Activities -$185.6M -$13.34M $46.71M
YoY Change -607.35% -85.56% 627.57%
FINANCING ACTIVITIES
Cash Dividend Paid $1.339M
YoY Change 13.76%
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 182.5M 14.67M -6.030M
YoY Change -696.08% -83.74% -38.34%
NET CHANGE
Cash From Operating Activities 3.530M 2.340M 4.630M
Cash From Investing Activities -185.6M -13.34M 46.71M
Cash From Financing Activities 182.5M 14.67M -6.030M
Net Change In Cash 400.0K 3.673M 45.31M
YoY Change -95.69% -2925.38% -226650.0%
FREE CASH FLOW
Cash From Operating Activities $3.530M $2.340M $4.630M
Capital Expenditures -$90.00K $70.00K -$80.00K
Free Cash Flow $3.620M $2.270M $4.710M
YoY Change -12.56% 17.43% 37.72%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
CY2020Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
7480000
CY2019Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
5450000
CY2020Q1 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
1657000
CY2019Q1 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
2082000
CY2020Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
232000
CY2019Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
235000
CY2020Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
9709000
CY2019Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
8384000
CY2020Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
7385000
CY2019Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
6210000
CY2020Q1 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
314000
CY2019Q1 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
195000
CY2020Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.21
CY2019Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.25
CY2020Q1 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
340000
CY2019Q1 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
617000
CY2020Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1969000
CY2019Q1 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1729000
CY2020Q1 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
355000
CY2019Q1 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
445000
CY2020Q1 us-gaap Interest Expense
InterestExpense
2324000
CY2019Q1 us-gaap Interest Expense
InterestExpense
2174000
CY2020Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
4435000
CY2019Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
3547000
CY2020Q1 us-gaap Occupancy Net
OccupancyNet
1659000
CY2019Q1 us-gaap Occupancy Net
OccupancyNet
1423000
CY2020Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1973000
CY2019Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1670000
CY2020Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
7912000
CY2019Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
8823000
CY2020Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-77000
CY2020Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-19000
CY2020Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
7156000
CY2019Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
7849000
CY2019Q4 us-gaap Shares Outstanding
SharesOutstanding
5578131
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
112800000
CY2020Q1 us-gaap Net Income Loss
NetIncomeLoss
1160000
CY2020Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1339000
CY2020Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
40000
CY2020Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
5996000
CY2020Q1 us-gaap Shares Outstanding
SharesOutstanding
5582631
CY2018Q4 us-gaap Shares Outstanding
SharesOutstanding
4904530
CY2018Q4 us-gaap Stockholders Equity
StockholdersEquity
83866000
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
1227000
CY2019Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1177000
CY2019Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
41000
CY2019Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6622000
CY2019Q1 us-gaap Shares Outstanding
SharesOutstanding
4904530
CY2019Q1 us-gaap Stockholders Equity
StockholdersEquity
90579000
CY2018Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
12592000
CY2019Q1 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
12462000
CY2020Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
3673000
CY2019Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-130000
CY2020Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
26892000
CY2019Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
83938000
CY2020Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
14672000
CY2019Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
90246000
CY2020Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-13339000
CY2019Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-92354000
CY2020Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
2340000
CY2019Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
1978000
CY2020Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
258000
CY2019Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
18200000
CY2020Q1 us-gaap Payments Of Dividends
PaymentsOfDividends
1339000
CY2019Q1 us-gaap Payments Of Dividends
PaymentsOfDividends
1177000
CY2020Q1 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
122722000
CY2019Q1 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
63403000
CY2020Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
74267000
CY2019Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
8336000
CY2020Q1 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
-3352000
CY2019Q1 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
-19042000
CY2020Q1 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-10968000
CY2019Q1 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
7485000
CY2020Q1 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
37196000
CY2020Q1 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
CY2020Q1 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
475140000
CY2020Q1 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
7149000
CY2020Q1 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
212000
CY2020Q1 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
482077000
CY2019Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
1348000
CY2019Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2399000
CY2019Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
464383000
CY2019Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
465434000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
845000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
848000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
345000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
345000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
38070000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
38117000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
89920000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
89681000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
17681000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
18678000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
50962000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
48181000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
37699000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
185000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
6217000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
27000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
43916000
CY2020Q1 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
212000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
186692000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
1125000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
100790000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1274000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
287482000
CY2019Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
2399000
CY2020Q1 us-gaap Us Government Securities At Carrying Value
USGovernmentSecuritiesAtCarryingValue
418632000
CY2019Q4 us-gaap Us Government Securities At Carrying Value
USGovernmentSecuritiesAtCarryingValue
413275000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
18019000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
18808000
CY2020Q1 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
51605000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
48649000
CY2020Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
70000
CY2019Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
45000
CY2019Q4 us-gaap Business Combination Consideration Transferred1
BusinessCombinationConsiderationTransferred1
19700000
CY2020Q1 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
86167000
CY2019Q4 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
94009000
CY2020Q1 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2488000
CY2019Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2436000
CY2020Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5579381
CY2019Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4892530
CY2019Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2598
CY2020Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2030
CY2020Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5581411
CY2019Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4895128
CY2020Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.165
CY2019Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.137
CY2020Q1 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
254000
CY2019Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
4576000
CY2020Q1 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
19610000
CY2020Q1 cizn Interest Bearing Deposits With Banks Fair Value Disclosure
InterestBearingDepositsWithBanksFairValueDisclosure
61909000
CY2020Q1 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
566944000
CY2020Q1 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
159442000
CY2019Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
15937000
CY2019Q4 cizn Interest Bearing Deposits With Banks Fair Value Disclosure
InterestBearingDepositsWithBanksFairValueDisclosure
58557000
CY2019Q4 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
569640000
CY2019Q4 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
170410000
CY2020Q1 cizn Carrying Value Of Impaired Loan
CarryingValueOfImpairedLoan
390000
CY2019Q4 cizn Carrying Value Of Impaired Loan
CarryingValueOfImpairedLoan
5003000
CY2020Q1 cizn Impaired Loan Allowance For Loan Losses
ImpairedLoanAllowanceForLoanLosses
136000
CY2019Q4 cizn Impaired Loan Allowance For Loan Losses
ImpairedLoanAllowanceForLoanLosses
427000
CY2020Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
92000
CY2020Q1 us-gaap Short Term Lease Cost
ShortTermLeaseCost
6000
CY2020Q1 us-gaap Lease Cost
LeaseCost
98000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
348000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
306000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
60000
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
0
CY2020Q1 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
714000
CY2020Q1 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
24000
CY2020Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
690000
CY2020Q1 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
13062000
CY2020Q1 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
7347000
CY2020Q1 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
3999000
CY2020Q1 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
11346000
CY2020Q1 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
677000
CY2019Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
12852000
CY2019Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
6999000
CY2019Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
4136000
CY2019Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
11135000
CY2019Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
682000
CY2019 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3
CY2019 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
2782000
CY2019 cizn Financing Receivable Modifications Collections During Period
FinancingReceivableModificationsCollectionsDuringPeriod
287000
CY2020Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3
CY2020Q1 cizn Financing Receivable Modifications Collections During Period
FinancingReceivableModificationsCollectionsDuringPeriod
68000
CY2020Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
2427000
CY2019Q1 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
2495000
CY2020Q1 cizn Non Purchased Loans And Leases Receivable Gross Carrying Amount
NonPurchasedLoansAndLeasesReceivableGrossCarryingAmount
485083000
CY2019Q4 cizn Non Purchased Loans And Leases Receivable Gross Carrying Amount
NonPurchasedLoansAndLeasesReceivableGrossCarryingAmount
476445000
CY2020Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.21
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.25
CY2020Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
1974000
CY2019Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
2201000
CY2019Q4 us-gaap Business Acquisition Equity Interests Issued Or Issuable Number Of Shares Issued
BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued
666101
CY2020Q1 dei Document Type
DocumentType
10-Q
CY2020Q1 dei Amendment Flag
AmendmentFlag
false
CY2020Q1 dei Document Period End Date
DocumentPeriodEndDate
2020-03-31
CY2020Q1 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2020
CY2020Q1 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q1
CY2020Q1 dei Trading Symbol
TradingSymbol
CIZN
CY2020Q1 dei Entity Registrant Name
EntityRegistrantName
CITIZENS HOLDING CO /MS/
CY2020Q1 dei Entity Central Index Key
EntityCentralIndexKey
0001075706
CY2020Q1 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2020Q1 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2020Q1 dei Entity Shell Company
EntityShellCompany
false
CY2020Q1 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2020Q1 dei Entity Small Business
EntitySmallBusiness
true
CY2020Q1 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2020Q1 dei Entity Address State Or Province
EntityAddressStateOrProvince
MS
CY2020Q1 dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
CY2020Q1 dei Security12b Title
Security12bTitle
Common Stock
CY2020Q1 dei Security Exchange Name
SecurityExchangeName
NASDAQ
CY2020Q2 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
5590131
CY2020Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3816000
CY2019Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3755000
CY2020Q1 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.20
CY2020Q1 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
22500000
CY2020Q1 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
5582631
CY2019Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.20
CY2019Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
22500000
CY2020Q1 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
5582631
CY2019Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
5578131
CY2019Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
5578131
CY2020Q1 cizn Accumulated Other Comprehensive Income Loss Tax
AccumulatedOtherComprehensiveIncomeLossTax
1731000
CY2019Q4 cizn Accumulated Other Comprehensive Income Loss Tax
AccumulatedOtherComprehensiveIncomeLossTax
262000
CY2020Q1 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
7071000
CY2019Q1 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
6015000
CY2020Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
559000
CY2019Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
266000
CY2020Q1 us-gaap Noninterest Income
NoninterestIncome
2381000
CY2019Q1 us-gaap Noninterest Income
NoninterestIncome
2047000
CY2020Q1 us-gaap Noninterest Expense
NoninterestExpense
8067000
CY2019Q1 us-gaap Noninterest Expense
NoninterestExpense
6640000
CY2020Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
225000
CY2019Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
195000
CY2020Q1 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.24
CY2019Q1 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.24
CY2020Q1 us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family: times new roman; font-size: 10pt; margin-top: 18pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;"><div style="text-decoration:underline;display:inline;">Estimates </div></div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowance for loan losses and valuation of foreclosed real estate, management obtains independent appraisals for significant properties. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">While management uses available information to recognize losses on loans and to value foreclosed real estate, future additions to the allowance or adjustments to the valuation may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company&#8217;s allowance for loan losses and valuations of foreclosed real estate. Such agencies may require the Company to recognize additions to the allowance or to make adjustments to the valuation based on their judgments about information available to them at the time of their examination. Due to these factors, it is reasonably possible that the allowance for loan losses and valuation of foreclosed real estate may change materially in the near term. </div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2020Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
5938000
CY2019Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
6622000
CY2020Q1 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
-58000
CY2020Q1 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
87000
CY2020Q1 us-gaap Increase Decrease In Federal Funds Sold
IncreaseDecreaseInFederalFundsSold
1600000
CY2020Q1 cizn Allowance For Loan Losses
AllowanceForLoanLosses
<div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; line-height: 12pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Note 10. Allowance for Loan Losses </div></div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">(in thousands) </div></div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The allowance for loan losses is established through a provision for loan losses charged to expense, which represents management&#8217;s best estimate of probable losses within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated loan losses and risks inherent in the loan portfolio. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The allowance on the majority of the loan portfolio is calculated using a historical chargeoff percentage applied to the current loan balances by loan segment. This historical period is the average of the previous twenty quarters with the most current quarters weighted more heavily to show the effect of the most recent chargeoff activity. This percentage is also adjusted for economic factors such as local unemployment and general business conditions, both local and nationwide. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The group of loans that are considered to be impaired are individually evaluated for possible loss and a specific reserve is established to cover any loss contingency. Loans that are determined to be a loss with no benefit of remaining in the portfolio are charged off to the allowance. These specific reserves are reviewed periodically for continued impairment and adequacy of the specific reserve and are adjusted when necessary. </div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March&#160;31, 2020: </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table border="0" cellpadding="0" cellspacing="0" style="font-family: &quot;times new roman&quot;; font-size: 10pt; border-collapse: collapse; border-spacing: 0px;;margin : 0px auto;;text-align:left;;width:92%;"><tr style="font-size: 0px;"><td style="padding: 0px;;width:71%;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td></tr><tr style="font-family: times new roman; font-size: 8pt; page-break-inside: avoid;"><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Real<br/>Estate</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Business<br/>Loans</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Consumer</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Total</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;"><div style="font-weight:bold;display:inline;">March&#160;31, 2020</div></div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Beginning Balance, January&#160;1, 2020</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">3,075</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">371</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">309</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">3,755</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Provision for loan losses</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">184</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">127</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">314</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Chargeoffs</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">222</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">23</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">55</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">300</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Recoveries</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">14</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">24</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">9</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">47</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Net (recoveries) chargeoffs</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">208</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">(1</td><td style="white-space: nowrap;;vertical-align:bottom;">)&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">46</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">253</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Ending Balance</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,051</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">375</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">390</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,816</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Period end allowance allocated to:</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Loans individually evaluated for impairment</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">582</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">95</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="white-space: nowrap; background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">677</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Loans collectively evaluated for impairment</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">2,469</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">280</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">390</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">3,139</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Ending Balance, March&#160;31, 2020</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,051</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">375</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">390</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,816</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="font-size: 1px; margin-top: 12px; margin-bottom: 0px;"><div style="font-size: 1px; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March&#160;31, 2019: </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table border="0" cellpadding="0" cellspacing="0" style="font-family: &quot;times new roman&quot;; font-size: 10pt; border-collapse: collapse; border-spacing: 0px;;margin : 0px auto;;text-align:left;;width:92%;"><tr style="font-size: 0px;"><td style="padding: 0px;;width:70%;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td></tr><tr style="font-family: times new roman; font-size: 8pt; page-break-inside: avoid;"><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Real<br/>Estate</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Business<br/>Loans</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Consumer</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Total</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;"><div style="font-weight:bold;display:inline;">March&#160;31, 2019</div></div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Beginning Balance, January&#160;1, 2019</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">2,845</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">222</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">305</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">3,372</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Provision for loan losses</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">(63</td><td style="white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;">)&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">99</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">159</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">195</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Chargeoffs</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">12</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">25</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">37</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Recoveries</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">12</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">4</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">14</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">30</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Net (recoveries) chargeoffs</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">(12</td><td style="white-space: nowrap;;vertical-align:bottom;">)&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">8</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">11</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">7</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Ending Balance</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">2,794</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">313</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">453</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,560</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Period end allowance allocated to:</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Loans individually evaluated for impairment</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">417</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">5</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="white-space: nowrap; background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">422</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Loans collectively evaluated for impairment</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">2,377</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">308</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">453</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">3,138</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Ending Balance, March&#160;31, 2019</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">2,794</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">313</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">453</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">3,560</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px; background: none;"></div><div style="font-family: times new roman; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">The Corporation&#8217;s recorded investment in loans as of March&#160;31, 2020 and December&#160;31, 2019 related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of the Corporation&#8217;s impairment methodology was as follows (in thousands): </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table border="0" cellpadding="0" cellspacing="0" style="font-family: &quot;times new roman&quot;; font-size: 10pt; border-collapse: collapse; border-spacing: 0px;;margin : 0px auto;;text-align:left;;width:92%;"><tr style="font-size: 0px;"><td style="padding: 0px;;width:65%;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;;vertical-align:bottom;;width:3%;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td><td style="padding: 0px;"></td></tr><tr style="font-family: times new roman; font-size: 8pt; page-break-inside: avoid;"><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Real<br/>Estate</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Business<br/>Loans</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Consumer</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Total</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;"><div style="font-weight:bold;display:inline;">March&#160;31, 2020</div></div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Loans individually evaluated for specific impairment</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">10,913</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">433</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap;;vertical-align:bottom;">$</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">11,346</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Loans collectively evaluated for general impairment</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">453,987</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">96,197</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">14,722</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">564,906</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Acquired with deteriorated credit quality</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">732</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">732</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:top;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">465,632</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">96,630</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">14,722</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">576,984</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-size: 1pt;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;height:16;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:16;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:16;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:16;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:16;"></td></tr><tr style="font-family: times new roman; font-size: 8pt; page-break-inside: avoid;"><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Real<br/>Estate</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Business<br/>Loans</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Consumer</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td colspan="2" style="border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;;text-align:center;;vertical-align:bottom;">Total</td><td style="padding-bottom: 0.5pt; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;"><div style="font-weight:bold;display:inline;">December&#160;31, 2019</div></div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:bottom;"></td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Loans individually evaluated for specific impairment</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">10,991</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">144</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap;;vertical-align:bottom;">$</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;">$</td><td style="text-align:right;;vertical-align:bottom;">11,135</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Loans collectively evaluated for general impairment</div></div></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">449,138</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">100,187</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">15,866</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">565,191</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-size: 10pt;;vertical-align:top;"><div style="text-indent: -1em; font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;;display:inline;">Acquired with deteriorated credit quality</div></div></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">749</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="white-space: nowrap;;text-align:right;;vertical-align:bottom;">&#8212;&#160;&#160;</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td><td style="text-align:right;;vertical-align:bottom;">749</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr><tr style="font-family: times new roman; font-size: 10pt; page-break-inside: avoid;"><td style="font-family: &quot;times new roman&quot;; padding: 0px; background-color: rgb(204, 238, 255);;vertical-align:top;"></td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">460,878</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">100,331</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">15,866</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td><td style="font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;&#160;</td><td style="background-color: rgb(204, 238, 255);;vertical-align:bottom;">$</td><td style="background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;">577,075</td><td style="white-space: nowrap; font-family: &quot;times new roman&quot;; background-color: rgb(204, 238, 255);;vertical-align:bottom;">&#160;</td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="margin-top: 0pt; margin-bottom: 0pt; border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr></table><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2020Q1 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
87000
CY2020Q1 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
300000
CY2020Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
47000
CY2020Q1 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
253000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
677000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3139000
CY2020Q1 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
11241000
CY2019 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
10722000
CY2020Q1 cizn Minimum Default Loan Limit To Be Considered For Individually Evaluation Of Impaired Financing Receivable
MinimumDefaultLoanLimitToBeConsideredForIndividuallyEvaluationOfImpairedFinancingReceivable
100000
CY2020Q1 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
4500
CY2019Q4 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
766000
CY2020Q1 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
27000
CY2019Q4 us-gaap Goodwill
Goodwill
13103000
CY2020Q1 us-gaap Goodwill
Goodwill
13130000
CY2020Q1 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
739000
CY2019Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
27000
CY2019Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
739000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
82000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
109000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
109000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
109000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
109000
CY2020Q1 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
194000
CY2020Q1 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
712000
CY2020Q1 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
690000
CY2020Q1 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P1Y1M6D
CY2020Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.033
CY2019Q1 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
37000
CY2019Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
30000
CY2019Q1 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
7000
CY2019Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3560000
CY2019Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
422000
CY2019Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3138000
CY2020Q1 us-gaap Sec Schedule Iii Real Estate Writedown Or Reserve Amount
SECScheduleIIIRealEstateWritedownOrReserveAmount
0
CY2019 us-gaap Sec Schedule Iii Real Estate Writedown Or Reserve Amount
SECScheduleIIIRealEstateWritedownOrReserveAmount
0
CY2020Q1 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
27000
CY2020Q1 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
11346000
CY2020Q1 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
564906000
CY2020Q1 us-gaap Financing Receivable Significant Purchases
FinancingReceivableSignificantPurchases
732000
CY2020Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
576984000
CY2019Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
11135000
CY2019Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
565191000
CY2019 us-gaap Financing Receivable Significant Purchases
FinancingReceivableSignificantPurchases
749000
CY2019Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
577075000
CY2020Q1 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
19610000
CY2019Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
15937000
CY2020Q1 cizn Interest Bearing Deposits With Other Banks
InterestBearingDepositsWithOtherBanks
61909000
CY2019Q4 cizn Interest Bearing Deposits With Other Banks
InterestBearingDepositsWithOtherBanks
58557000
CY2019Q4 us-gaap Federal Funds Sold
FederalFundsSold
1600000
CY2020Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
573163000
CY2019Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
573312000
CY2020Q1 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
24495000
CY2019Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
24672000
CY2020Q1 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
3643000
CY2020Q1 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
410485000
CY2020Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference
-13000
CY2020Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
5000
CY2019Q4 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
369354000
CY2020Q1 us-gaap Cash Surrender Value Of Life Insurance
CashSurrenderValueOfLifeInsurance
25220000
CY2019Q4 us-gaap Cash Surrender Value Of Life Insurance
CashSurrenderValueOfLifeInsurance
25088000
CY2020Q1 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
1669000
CY2020Q1 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
-24000
CY2019Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
3684000
CY2019Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
3552000
CY2020Q1 us-gaap Interest Receivable
InterestReceivable
4106000
CY2019Q4 us-gaap Interest Receivable
InterestReceivable
4181000
CY2020Q1 us-gaap Other Assets
OtherAssets
20219000
CY2019Q4 us-gaap Other Assets
OtherAssets
20468000
CY2020Q1 us-gaap Assets
Assets
1216111000
CY2019Q4 us-gaap Assets
Assets
1195434000
CY2020Q1 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
195843000
CY2019Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
190406000
CY2020Q1 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
87422000
CY2019Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
83065000
CY2020Q1 us-gaap Time Deposits
TimeDeposits
232138000
CY2019Q4 us-gaap Time Deposits
TimeDeposits
256171000
CY2020Q1 us-gaap Deposits
Deposits
925888000
CY2019Q4 us-gaap Deposits
Deposits
898996000
CY2020Q1 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
159442000
CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
170410000
CY2020Q1 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
722000
CY2019Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
1128000
CY2020Q1 us-gaap Deferred Compensation Liability Current And Noncurrent
DeferredCompensationLiabilityCurrentAndNoncurrent
9530000
CY2019Q4 us-gaap Deferred Compensation Liability Current And Noncurrent
DeferredCompensationLiabilityCurrentAndNoncurrent
9453000
CY2020Q1 us-gaap Other Liabilities
OtherLiabilities
1785000
CY2019Q4 us-gaap Other Liabilities
OtherLiabilities
2647000
CY2020Q1 us-gaap Liabilities
Liabilities
1097367000
CY2019Q4 us-gaap Liabilities
Liabilities
1082634000
CY2020Q1 us-gaap Common Stock Value
CommonStockValue
1117000
CY2019Q4 us-gaap Common Stock Value
CommonStockValue
1116000
CY2020Q1 us-gaap Additional Paid In Capital Common Stock
AdditionalPaidInCapitalCommonStock
18009000
CY2019Q4 us-gaap Additional Paid In Capital Common Stock
AdditionalPaidInCapitalCommonStock
17883000
CY2020Q1 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
94411000
CY2019Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
94590000
CY2020Q1 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
5207000
CY2019Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-789000
CY2020Q1 us-gaap Stockholders Equity
StockholdersEquity
118744000
CY2020Q1 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
1216111000
CY2019Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
1195434000
CY2020Q1 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
927888000
CY2019Q4 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
900925000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Consumer Contractually Required Payments Receivable At Acquisition
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodConsumerContractuallyRequiredPaymentsReceivableAtAcquisition
104127000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications From Nonaccretable Difference
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsFromNonaccretableDifference
68000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Cash Flows Expected To Be Collected At Acquisition
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition
104059000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
394000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Commercial At Acquisition At Fair Value
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCommercialAtAcquisitionAtFairValue
103665000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
-16000
CY2020Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
11941000
CY2018Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3372000
CY2020Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1385000
CY2020Q1 cizn Legislative Package Under Cares
LegislativePackageUnderCares
2000000000000
CY2019Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1422000
CY2019Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
11993000
CY2020Q1 us-gaap Fair Value Assets Measured On Recurring Basis Change In Unrealized Gain Loss
FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss
0
CY2019 us-gaap Fair Value Assets Measured On Recurring Basis Change In Unrealized Gain Loss
FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss
0

Files In Submission

Name View Source Status
0001193125-20-136839-index-headers.html Edgar Link pending
0001193125-20-136839-index.html Edgar Link pending
0001193125-20-136839.txt Edgar Link pending
0001193125-20-136839-xbrl.zip Edgar Link pending
cizn-20200331.xml Edgar Link completed
cizn-20200331.xsd Edgar Link pending
cizn-20200331_cal.xml Edgar Link unprocessable
cizn-20200331_def.xml Edgar Link unprocessable
cizn-20200331_lab.xml Edgar Link unprocessable
cizn-20200331_pre.xml Edgar Link unprocessable
d891624d10q.htm Edgar Link pending
d891624dex31a.htm Edgar Link pending
d891624dex31b.htm Edgar Link pending
d891624dex32a.htm Edgar Link pending
d891624dex32b.htm Edgar Link pending
FilingSummary.xml Edgar Link unprocessable
Financial_Report.xlsx Edgar Link pending
R1.htm Edgar Link pending
R10.htm Edgar Link pending
R11.htm Edgar Link pending
R12.htm Edgar Link pending
R13.htm Edgar Link pending
R14.htm Edgar Link pending
R15.htm Edgar Link pending
R16.htm Edgar Link pending
R17.htm Edgar Link pending
R18.htm Edgar Link pending
R19.htm Edgar Link pending
R2.htm Edgar Link pending
R20.htm Edgar Link pending
R21.htm Edgar Link pending
R22.htm Edgar Link pending
R23.htm Edgar Link pending
R24.htm Edgar Link pending
R25.htm Edgar Link pending
R26.htm Edgar Link pending
R27.htm Edgar Link pending
R28.htm Edgar Link pending
R29.htm Edgar Link pending
R3.htm Edgar Link pending
R30.htm Edgar Link pending
R31.htm Edgar Link pending
R32.htm Edgar Link pending
R33.htm Edgar Link pending
R34.htm Edgar Link pending
R35.htm Edgar Link pending
R36.htm Edgar Link pending
R37.htm Edgar Link pending
R38.htm Edgar Link pending
R39.htm Edgar Link pending
R4.htm Edgar Link pending
R40.htm Edgar Link pending
R41.htm Edgar Link pending
R42.htm Edgar Link pending
R43.htm Edgar Link pending
R44.htm Edgar Link pending
R45.htm Edgar Link pending
R46.htm Edgar Link pending
R47.htm Edgar Link pending
R48.htm Edgar Link pending
R49.htm Edgar Link pending
R5.htm Edgar Link pending
R50.htm Edgar Link pending
R51.htm Edgar Link pending
R52.htm Edgar Link pending
R53.htm Edgar Link pending
R54.htm Edgar Link pending
R55.htm Edgar Link pending
R56.htm Edgar Link pending
R57.htm Edgar Link pending
R58.htm Edgar Link pending
R59.htm Edgar Link pending
R6.htm Edgar Link pending
R60.htm Edgar Link pending
R61.htm Edgar Link pending
R62.htm Edgar Link pending
R63.htm Edgar Link pending
R64.htm Edgar Link pending
R65.htm Edgar Link pending
R66.htm Edgar Link pending
R67.htm Edgar Link pending
R68.htm Edgar Link pending
R69.htm Edgar Link pending
R7.htm Edgar Link pending
R70.htm Edgar Link pending
R71.htm Edgar Link pending
R72.htm Edgar Link pending
R73.htm Edgar Link pending
R8.htm Edgar Link pending
R9.htm Edgar Link pending
report.css Edgar Link pending
Show.js Edgar Link pending