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FL 87-4070846 2301 NW 87th Avenue Doral FL 33172 305 715-5200 Class A Common Stock, $1.00 par value per share USCB NASDAQ No No Yes Yes Non-accelerated Filer false 125400000 19622380 <div id="TextBlockContainer396" style="position:relative;font-family:'Arial';font-size:10.72px;color:#000000;line-height:normal;width:708px;height:26px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a270" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:0px;">Certain portions of the registrant’s Proxy Statement for the 2023 Annual Meeting of Shareholders (the “2023<div style="display:inline-block;width:3px"> </div>Proxy Statement”) are incorporated by </div><div id="a277" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:12px;">reference into Part III of this report.</div></div> Crowe LLP 173 Fort Lauderdale, Florida 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style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">1.<div style="display:inline-block;width:25px"> </div>SUMMARY OF SIGNIFICANT<div style="display:inline-block;width:5px"> </div>ACCOUNTING POLICIES </div><div id="a18563" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:34px;">Overview </div><div id="a18566" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:65px;">USCB Financial Holdings, Inc., a<div style="display:inline-block;width:5px"> </div>Florida corporation incorporated<div style="display:inline-block;width:5px"> </div>in 2021, is a bank<div style="display:inline-block;width:5px"> </div>holding company with one wholly </div><div id="a18567" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">owned subsidiary,<div style="display:inline-block;width:5px"> </div>U.S. Century Bank (the<div style="display:inline-block;width:5px"> </div>“Bank”), together referred to<div style="display:inline-block;width:5px"> </div>as “the Company”. The<div style="display:inline-block;width:5px"> </div>Bank, established in 2002, </div><div id="a18570" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">is a Florida<div style="display:inline-block;width:2px"> </div>state-chartered, non-member financial institution providing financial<div style="display:inline-block;width:2px"> </div>services through its banking<div style="display:inline-block;width:2px"> </div>centers located </div><div id="a18577" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">in South Florida. </div><div id="a18580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:141px;">In December 2021, USCB Financial<div style="display:inline-block;width:5px"> </div>Holdings, Inc. acquired all issued<div style="display:inline-block;width:5px"> </div>and outstanding shares of the Class<div style="display:inline-block;width:5px"> </div>A common </div><div id="a18583" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">stock of the Bank. Each of the outstanding shares of<div style="display:inline-block;width:2px"> </div>the Bank’s common stock, par value $</div><div id="a18583_89_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:157px;">1.00</div><div id="a18583_93_29" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:157px;"><div style="display:inline-block;width:3px"> </div>per share, formerly held by </div><div id="a18585" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:172px;">its shareholders were<div style="display:inline-block;width:2px"> </div>converted into and exchanged<div style="display:inline-block;width:2px"> </div>for one newly<div style="display:inline-block;width:2px"> </div>issued share of<div style="display:inline-block;width:2px"> </div>the Company’s common stock, par<div style="display:inline-block;width:2px"> </div>value </div><div id="a18588" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:187px;">$</div><div id="a18588_1_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:187px;">1.00</div><div id="a18588_5_12" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:187px;"><div style="display:inline-block;width:4px"> </div>per share. </div><div id="a18591" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:218px;">The Bank<div style="display:inline-block;width:5px"> </div>owns a subsidiary,<div style="display:inline-block;width:7px"> </div>Florida Peninsula<div style="display:inline-block;width:5px"> </div>Title LLC,<div style="display:inline-block;width:6px"> </div>that offers<div style="display:inline-block;width:6px"> </div>our clients title<div style="display:inline-block;width:6px"> </div>insurance policies<div style="display:inline-block;width:5px"> </div>for real<div style="display:inline-block;width:5px"> </div>estate </div><div id="a18596" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:233px;">transactions closed at the Bank. Licensed in the State of Florida and approved by the Department of Insurance Regulation, </div><div id="a18598" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:249px;">Florida Peninsula tittle LLC began operations in 2021.<div style="display:inline-block;width:5px"> </div></div><div id="div_398_XBRL_TS_9f8cbd0acfe2421488c67d60d0457a5a" style="position:absolute;left:0px;top:279px;float:left;"><div id="TextBlockContainer399" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18606" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Principles of Consolidation </div><div id="a18609" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Intercompany transactions<div style="display:inline-block;width:6px"> </div>and balances<div style="display:inline-block;width:5px"> </div>are eliminated<div style="display:inline-block;width:5px"> </div>in consolidation.<div style="display:inline-block;width:5px"> </div>The Consolidated<div style="display:inline-block;width:5px"> </div>financial statements<div style="display:inline-block;width:6px"> </div>have </div><div id="a18614" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">been prepared in accordance with U.S. Generally Accepted<div style="display:inline-block;width:5px"> </div>Accounting Principles ("GAAP").</div></div></div><div id="div_400_XBRL_TS_b9549bbc0132471590ed47b2404fe4bc" style="position:absolute;left:0px;top:356px;float:left;"><div id="TextBlockContainer401" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18618" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Initial Public Offering and Exchange and Redemption<div style="display:inline-block;width:5px"> </div>of Shares </div><div id="a18626" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">On July 27, 2021,<div style="display:inline-block;width:5px"> </div>the Company completed<div style="display:inline-block;width:5px"> </div>an initial public<div style="display:inline-block;width:5px"> </div>offering (the “IPO”)<div style="display:inline-block;width:6px"> </div>and its Class<div style="display:inline-block;width:5px"> </div>A voting common<div style="display:inline-block;width:5px"> </div>shares </div><div id="a18633" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">began trading<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:5px"> </div>Nasdaq Stock<div style="display:inline-block;width:6px"> </div>Market under<div style="display:inline-block;width:6px"> </div>ticker symbol<div style="display:inline-block;width:6px"> </div>“USCB”. Following<div style="display:inline-block;width:6px"> </div>the IPO,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>completed an </div><div id="a18634" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">exchange<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>then<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:7px"> </div>preferred<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>Class<div style="display:inline-block;width:6px"> </div>A<div style="display:inline-block;width:7px"> </div>common<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>thereafter<div style="display:inline-block;width:7px"> </div>redeemed<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>remaining </div><div id="a18635" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">outstanding preferred shares.<div style="display:inline-block;width:4px"> </div></div><div id="a18639" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:108px;">In December 2021,<div style="display:inline-block;width:2px"> </div>the Company reached<div style="display:inline-block;width:2px"> </div>agreements with the<div style="display:inline-block;width:2px"> </div>Class B common<div style="display:inline-block;width:2px"> </div>shareholders to receive<div style="display:inline-block;width:2px"> </div>Class A voting </div><div id="a18644" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>exchange<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>all<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>Class<div style="display:inline-block;width:6px"> </div>B<div style="display:inline-block;width:6px"> </div>non-voting<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>a </div><div id="a18644_82_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:540px;top:123px;-sec-ix-hidden:ID_225;">1 for 5</div><div id="a18644_89_23" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:582px;top:123px;"><div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>exchange.<div style="display:inline-block;width:6px"> </div>As<div style="display:inline-block;width:6px"> </div>of </div><div id="a18653" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">December 31,<div style="display:inline-block;width:6px"> </div>2022,<div style="display:inline-block;width:5px"> </div>there<div style="display:inline-block;width:5px"> </div>were<div style="display:inline-block;width:5px"> </div>no<div style="display:inline-block;width:5px"> </div>issued<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>preferred<div style="display:inline-block;width:5px"> </div>shares<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>Class<div style="display:inline-block;width:5px"> </div>B<div style="display:inline-block;width:5px"> </div>common<div style="display:inline-block;width:6px"> </div>shares.<div style="display:inline-block;width:5px"> </div>See<div style="display:inline-block;width:5px"> </div>Note<div style="display:inline-block;width:5px"> </div>13 </div><div id="a18662" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">“Stockholders’ Equity” for further information about the IPO<div style="display:inline-block;width:5px"> </div>and the exchange and redemption of shares.</div></div></div><div id="a18662_103_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:620px;top:509px;"><div style="display:inline-block;width:4px"> </div></div><div id="div_402_XBRL_TS_f5e71c508733445fb140919321ac51db" style="position:absolute;left:0px;top:540px;float:left;"><div id="TextBlockContainer403" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:370px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18670" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Risk and Uncertainties </div><div id="a18673" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:italic;color:#000000;left:29px;top:31px;">Current Banking Environment </div><div id="a18676" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">Industry<div style="display:inline-block;width:6px"> </div>events<div style="display:inline-block;width:6px"> </div>transpiring<div style="display:inline-block;width:6px"> </div>prior<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company’s<div style="display:inline-block;width:6px"> </div>filing<div style="display:inline-block;width:6px"> </div>date,<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>bank<div style="display:inline-block;width:6px"> </div>failures,<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>led<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>uncertainty<div style="display:inline-block;width:6px"> </div>and </div><div id="a18678" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concerns regarding<div style="display:inline-block;width:6px"> </div>the liquidity<div style="display:inline-block;width:6px"> </div>positions of<div style="display:inline-block;width:6px"> </div>the banking<div style="display:inline-block;width:6px"> </div>sector.<div style="display:inline-block;width:5px"> </div>These failures<div style="display:inline-block;width:6px"> </div>underscore the<div style="display:inline-block;width:5px"> </div>importance of<div style="display:inline-block;width:6px"> </div>maintaining </div><div id="a18679" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">access to diverse sources of<div style="display:inline-block;width:5px"> </div>funding. The Company’s deposit<div style="display:inline-block;width:5px"> </div>base includes a combination<div style="display:inline-block;width:5px"> </div>of consumer,<div style="display:inline-block;width:5px"> </div>commercial, and </div><div id="a18681" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">public<div style="display:inline-block;width:7px"> </div>funds<div style="display:inline-block;width:7px"> </div>deposits.<div style="display:inline-block;width:7px"> </div>The<div style="display:inline-block;width:7px"> </div>Company’s<div style="display:inline-block;width:7px"> </div>largest<div style="display:inline-block;width:7px"> </div>depositors<div style="display:inline-block;width:7px"> </div>include<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>mixture<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>government-related<div style="display:inline-block;width:7px"> </div>organizations<div style="display:inline-block;width:7px"> </div>and </div><div id="a18684" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">commercial clients without a high level of industry concentration. </div><div id="a18689" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:153px;">In response to<div style="display:inline-block;width:5px"> </div>these events,<div style="display:inline-block;width:5px"> </div>the Treasury<div style="display:inline-block;width:5px"> </div>Department, Federal<div style="display:inline-block;width:5px"> </div>Reserve, and FDIC<div style="display:inline-block;width:6px"> </div>jointly announced the<div style="display:inline-block;width:6px"> </div>Bank Term </div><div id="a18690" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Funding<div style="display:inline-block;width:5px"> </div>Program<div style="display:inline-block;width:6px"> </div>(BTFP)<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>March<div style="display:inline-block;width:5px"> </div>12,<div style="display:inline-block;width:5px"> </div>2023.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>program<div style="display:inline-block;width:6px"> </div>aims<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>enhance<div style="display:inline-block;width:5px"> </div>liquidity<div style="display:inline-block;width:5px"> </div>by<div style="display:inline-block;width:5px"> </div>allowing<div style="display:inline-block;width:5px"> </div>institutions<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>pledge </div><div id="a18691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">certain securities at the<div style="display:inline-block;width:5px"> </div>par value of the securities,<div style="display:inline-block;width:5px"> </div>and at a borrowing<div style="display:inline-block;width:5px"> </div>rate of ten basis<div style="display:inline-block;width:5px"> </div>points over the one-year<div style="display:inline-block;width:5px"> </div>overnight </div><div id="a18695" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">index swap<div style="display:inline-block;width:6px"> </div>rate. The<div style="display:inline-block;width:6px"> </div>BTFP is<div style="display:inline-block;width:6px"> </div>available to<div style="display:inline-block;width:6px"> </div>eligible<div style="display:inline-block;width:5px"> </div>U.S. federally<div style="display:inline-block;width:6px"> </div>insured<div style="display:inline-block;width:5px"> </div>depository<div style="display:inline-block;width:5px"> </div>institutions,<div style="display:inline-block;width:5px"> </div>with advances<div style="display:inline-block;width:6px"> </div>having a </div><div id="a18696" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">term of<div style="display:inline-block;width:5px"> </div>up to<div style="display:inline-block;width:5px"> </div>one year<div style="display:inline-block;width:5px"> </div>and no<div style="display:inline-block;width:5px"> </div>prepayment penalties.<div style="display:inline-block;width:6px"> </div>As of<div style="display:inline-block;width:5px"> </div>the date<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:5px"> </div>release of<div style="display:inline-block;width:5px"> </div>the Audited<div style="display:inline-block;width:5px"> </div>Consolidated Financial </div><div id="a18698" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">Statements, the Company has not accessed the BTFP. </div><div id="a18701" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:261px;">Market conditions and external factors may unpredictably impact the competitive landscape for deposits<div style="display:inline-block;width:5px"> </div>in the banking </div><div id="a18704" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">industry.<div style="display:inline-block;width:5px"> </div>Additionally,<div style="display:inline-block;width:5px"> </div>the rising interest rate environment<div style="display:inline-block;width:5px"> </div>has increased competition for<div style="display:inline-block;width:5px"> </div>liquidity and the premium<div style="display:inline-block;width:5px"> </div>at which </div><div id="a18706" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">liquidity is available<div style="display:inline-block;width:6px"> </div>to meet<div style="display:inline-block;width:5px"> </div>funding needs.<div style="display:inline-block;width:5px"> </div>The Company<div style="display:inline-block;width:5px"> </div>believes its<div style="display:inline-block;width:5px"> </div>sources of<div style="display:inline-block;width:5px"> </div>liquidity are sufficient<div style="display:inline-block;width:6px"> </div>to meet<div style="display:inline-block;width:5px"> </div>its needs </div><div id="a18709" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">on the balance sheet date. </div><div id="a18712" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">An unexpected influx<div style="display:inline-block;width:2px"> </div>of withdrawals of<div style="display:inline-block;width:2px"> </div>deposits could adversely<div style="display:inline-block;width:2px"> </div>impact the Company's<div style="display:inline-block;width:2px"> </div>ability to<div style="display:inline-block;width:2px"> </div>rely on organic<div style="display:inline-block;width:2px"> </div>deposits </div><div id="a18713" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">to primarily<div style="display:inline-block;width:5px"> </div>fund its<div style="display:inline-block;width:5px"> </div>operations, potentially<div style="display:inline-block;width:5px"> </div>requiring greater<div style="display:inline-block;width:5px"> </div>reliance on<div style="display:inline-block;width:5px"> </div>secondary sources<div style="display:inline-block;width:6px"> </div>of liquidity<div style="display:inline-block;width:5px"> </div>to meet<div style="display:inline-block;width:5px"> </div>withdrawal </div></div></div></div><div id="TextBlockContainer417" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18736" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">demands or to fund continuing operations. These sources may include proceeds from FHLB advances, sales of<div style="display:inline-block;width:2px"> </div>investment </div><div id="a18740" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">securities and loans, federal funds lines of credit from<div style="display:inline-block;width:5px"> </div>correspondent banks, and out-of-market time deposits.<div style="display:inline-block;width:5px"> </div></div><div id="a18748" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">Such reliance on secondary funding sources could increase the Company's<div style="display:inline-block;width:5px"> </div>overall cost of funding and thereby reduce </div><div id="a18749" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">net<div style="display:inline-block;width:6px"> </div>income.<div style="display:inline-block;width:6px"> </div>While<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>believes<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:6px"> </div>sources<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>liquidity<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>adequate<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>fund<div style="display:inline-block;width:6px"> </div>operations,<div style="display:inline-block;width:6px"> </div>there<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>no </div><div id="a18750" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">guarantee they<div style="display:inline-block;width:7px"> </div>will suffice<div style="display:inline-block;width:7px"> </div>to meet<div style="display:inline-block;width:6px"> </div>future<div style="display:inline-block;width:5px"> </div>liquidity demands.<div style="display:inline-block;width:7px"> </div>This may<div style="display:inline-block;width:6px"> </div>necessitate<div style="display:inline-block;width:5px"> </div>slowing<div style="display:inline-block;width:5px"> </div>or discontinuing<div style="display:inline-block;width:7px"> </div>loan growth, </div><div id="a18752" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">capital expenditures, or other investments, or liquidating assets. </div><div id="a18755" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">For further discussion of the Company's liquidity practices,<div style="display:inline-block;width:5px"> </div>see page 59 and 62 of this Annual Report on Form<div style="display:inline-block;width:5px"> </div>10-K.</div><div id="div_407_XBRL_TS_e0307d54467844f498c5697f00411f26" style="position:absolute;left:0px;top:153px;float:left;"><div id="TextBlockContainer408" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:293px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18762" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Use of Estimates </div><div id="a18765" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">In preparing the consolidated financial statements, management is required<div style="display:inline-block;width:2px"> </div>to make estimates and assumptions based </div><div id="a18768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">on available information that affect the amounts<div style="display:inline-block;width:5px"> </div>reported in the financial statements and the disclosures provided. </div><div id="a18773" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">The coronavirus (“COVID-19”)<div style="display:inline-block;width:6px"> </div>pandemic has negatively<div style="display:inline-block;width:5px"> </div>affected many of<div style="display:inline-block;width:6px"> </div>the Company’s<div style="display:inline-block;width:5px"> </div>clients and could<div style="display:inline-block;width:5px"> </div>still impair </div><div id="a18780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">their ability to fulfill<div style="display:inline-block;width:5px"> </div>their financial obligations.<div style="display:inline-block;width:5px"> </div>The Company’s business<div style="display:inline-block;width:6px"> </div>is dependent upon the<div style="display:inline-block;width:5px"> </div>willingness and ability of<div style="display:inline-block;width:5px"> </div>its </div><div id="a18786" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">associates and customers to conduct banking and other financial transactions. While<div style="display:inline-block;width:5px"> </div>we believe conditions have improved </div><div id="a18787" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its </div><div id="a18795" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">business,<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:5px"> </div>condition,<div style="display:inline-block;width:5px"> </div>results<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>operations<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>cash<div style="display:inline-block;width:5px"> </div>flows. While<div style="display:inline-block;width:7px"> </div>it<div style="display:inline-block;width:5px"> </div>is not<div style="display:inline-block;width:6px"> </div>possible<div style="display:inline-block;width:5px"> </div>to know<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>full<div style="display:inline-block;width:5px"> </div>extent<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the </div><div id="a18798" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">impact<div style="display:inline-block;width:5px"> </div>the COVID-19<div style="display:inline-block;width:6px"> </div>pandemic<div style="display:inline-block;width:5px"> </div>will have<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>Company's<div style="display:inline-block;width:5px"> </div>future operations,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>continues<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>communicate </div><div id="a18801" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">with its associates and customers<div style="display:inline-block;width:5px"> </div>to understand their challenges, which allows<div style="display:inline-block;width:5px"> </div>us to respond to their needs<div style="display:inline-block;width:5px"> </div>and issues as </div><div id="a18805" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">they arise. </div><div id="a18808" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">While there was<div style="display:inline-block;width:2px"> </div>not a<div style="display:inline-block;width:2px"> </div>material impact to<div style="display:inline-block;width:2px"> </div>the Company’s Consolidated Financial<div style="display:inline-block;width:2px"> </div>Statements as of<div style="display:inline-block;width:2px"> </div>and for<div style="display:inline-block;width:2px"> </div>the year ended </div><div id="a18819" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">December 31, 2022,<div style="display:inline-block;width:5px"> </div>future increases<div style="display:inline-block;width:6px"> </div>in the<div style="display:inline-block;width:5px"> </div>allowance for<div style="display:inline-block;width:6px"> </div>credit losses<div style="display:inline-block;width:5px"> </div>(“ACL”) may<div style="display:inline-block;width:5px"> </div>be required<div style="display:inline-block;width:5px"> </div>because of<div style="display:inline-block;width:5px"> </div>the potential </div><div id="a18839" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">economic<div style="display:inline-block;width:5px"> </div>downturn<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>resurgence<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>virus<div style="display:inline-block;width:5px"> </div>may cause<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>those<div style="display:inline-block;width:5px"> </div>ACL<div style="display:inline-block;width:5px"> </div>increases<div style="display:inline-block;width:5px"> </div>can be<div style="display:inline-block;width:6px"> </div>material.<div style="display:inline-block;width:5px"> </div>It<div style="display:inline-block;width:5px"> </div>is difficult<div style="display:inline-block;width:7px"> </div>to </div><div id="a18848" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">quantify the<div style="display:inline-block;width:5px"> </div>impact that<div style="display:inline-block;width:5px"> </div>COVID-19 will<div style="display:inline-block;width:5px"> </div>have on<div style="display:inline-block;width:5px"> </div>the estimates<div style="display:inline-block;width:6px"> </div>and assumptions<div style="display:inline-block;width:5px"> </div>used to<div style="display:inline-block;width:5px"> </div>prepare the<div style="display:inline-block;width:5px"> </div>financial statements. </div><div id="a18852" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">Actual results could differ from those estimates.</div></div></div><div id="div_409_XBRL_TS_aae8807565314af6b1757297878b8a49" style="position:absolute;left:0px;top:460px;float:left;"><div id="TextBlockContainer410" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18855" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Cash and Cash Equivalents </div><div id="a18858" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>considers<div style="display:inline-block;width:6px"> </div>investments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>maturity<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>90<div style="display:inline-block;width:5px"> </div>days<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:5px"> </div>less<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:5px"> </div>original<div style="display:inline-block;width:6px"> </div>purchase<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>cash </div><div id="a18862" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">equivalents. For<div style="display:inline-block;width:5px"> </div>the Consolidated<div style="display:inline-block;width:5px"> </div>Statements of<div style="display:inline-block;width:5px"> </div>Cash Flows, cash<div style="display:inline-block;width:6px"> </div>and cash equivalents<div style="display:inline-block;width:6px"> </div>include cash<div style="display:inline-block;width:5px"> </div>on hand,<div style="display:inline-block;width:5px"> </div>amounts </div><div id="a18873" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">due from banks, and interest-bearing deposits in banks.</div></div></div><div id="div_411_XBRL_TS_e9b32c94878a4ce1954e1f1d5ac110c3" style="position:absolute;left:0px;top:552px;float:left;"><div id="TextBlockContainer412" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18879" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Restricted Cash </div><div id="a18882" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company may<div style="display:inline-block;width:2px"> </div>be required to<div style="display:inline-block;width:2px"> </div>maintain funds at<div style="display:inline-block;width:2px"> </div>other banks to<div style="display:inline-block;width:2px"> </div>satisfy a loan<div style="display:inline-block;width:2px"> </div>participation agreement. The Company </div><div id="a18885" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">reports restricted cash within cash and cash equivalents.</div></div></div><div id="a18885_57_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:598px;"><div style="display:inline-block;width:4px"> </div></div><div id="div_413_XBRL_TS_7d0eed588bee4e02a4967077e07cab1c" style="position:absolute;left:0px;top:629px;float:left;"><div id="TextBlockContainer414" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:62px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18888" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Interest-Bearing Deposits in Other Financial Institutions </div><div id="a18894" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Interest-bearing deposits in other financial institutions consist<div style="display:inline-block;width:5px"> </div>of Federal Reserve Bank, Federal Home Loan<div style="display:inline-block;width:5px"> </div>Bank and </div><div id="a18899" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">other accounts.</div></div></div><div id="div_415_XBRL_TS_13aff3b3163c432eacf58c3e6f8eb33d" style="position:absolute;left:0px;top:705px;float:left;"><div id="TextBlockContainer416" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18902" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Investment Securities</div><div id="a18906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Debt securities<div style="display:inline-block;width:6px"> </div>are recorded<div style="display:inline-block;width:6px"> </div>at fair<div style="display:inline-block;width:6px"> </div>value except<div style="display:inline-block;width:6px"> </div>for those<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:5px"> </div>which the<div style="display:inline-block;width:6px"> </div>Company has<div style="display:inline-block;width:6px"> </div>the positive<div style="display:inline-block;width:6px"> </div>intent and </div><div id="a18908" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ability to hold to<div style="display:inline-block;width:2px"> </div>maturity. Management determines the appropriate classification of its securities at<div style="display:inline-block;width:2px"> </div>the time of purchase<div style="display:inline-block;width:2px"> </div>and </div><div id="a18910" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">accounts for them on a trade date basis.<div style="display:inline-block;width:5px"> </div></div><div id="a18913" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Debt securities that<div style="display:inline-block;width:2px"> </div>management has the<div style="display:inline-block;width:2px"> </div>positive intent and<div style="display:inline-block;width:2px"> </div>ability to hold<div style="display:inline-block;width:2px"> </div>to maturity are<div style="display:inline-block;width:2px"> </div>classified as "held-to-maturity" </div><div id="a18919" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">and recorded at amortized cost. Trading securities are<div style="display:inline-block;width:2px"> </div>recorded at fair value with<div style="display:inline-block;width:2px"> </div>changes in fair value included<div style="display:inline-block;width:2px"> </div>in earnings. </div><div id="a18921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">Securities not classified<div style="display:inline-block;width:5px"> </div>as held-to-maturity or<div style="display:inline-block;width:5px"> </div>trading are classified<div style="display:inline-block;width:5px"> </div>as "available-for-sale"<div style="display:inline-block;width:5px"> </div>and recorded at<div style="display:inline-block;width:5px"> </div>fair value, with </div><div id="a18931" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">unrealized gains and<div style="display:inline-block;width:2px"> </div>losses excluded from<div style="display:inline-block;width:2px"> </div>earnings and reported<div style="display:inline-block;width:2px"> </div>in other comprehensive<div style="display:inline-block;width:2px"> </div>income (loss). Equity<div style="display:inline-block;width:2px"> </div>investments </div><div id="a18932" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">must be recorded at fair value with changes in fair value<div style="display:inline-block;width:5px"> </div>included in earnings.<div style="display:inline-block;width:4px"> </div></div></div></div></div><div id="TextBlockContainer426" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_420_XBRL_TS_13aff3b3163c432eacf58c3e6f8eb33d_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer421" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:185px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18956" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Purchase premiums and discounts are amortized or accreted over<div style="display:inline-block;width:5px"> </div>the estimated life of the related available-for-sale or </div><div id="a18961" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">held-to-maturity<div style="display:inline-block;width:7px"> </div>security<div style="display:inline-block;width:7px"> </div>as<div style="display:inline-block;width:7px"> </div>an<div style="display:inline-block;width:7px"> </div>adjustment<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>yield<div style="display:inline-block;width:7px"> </div>using<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:7px"> </div>effective<div style="display:inline-block;width:7px"> </div>interest<div style="display:inline-block;width:7px"> </div>method.<div style="display:inline-block;width:7px"> </div>Prepayments<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>principal<div style="display:inline-block;width:7px"> </div>are </div><div id="a18967" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">considered in determining the estimated life of the<div style="display:inline-block;width:2px"> </div>security. Such amortization and accretion are included in interest income </div><div id="a18969" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">in the Consolidated<div style="display:inline-block;width:2px"> </div>Statements of Operations.<div style="display:inline-block;width:2px"> </div>Dividend and interest<div style="display:inline-block;width:2px"> </div>income are recognized when<div style="display:inline-block;width:2px"> </div>earned. Gains and<div style="display:inline-block;width:2px"> </div>losses </div><div id="a18970" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">on the sale of securities are recorded on trade date and are determined<div style="display:inline-block;width:5px"> </div>on a specific identification basis. </div><div id="a18975" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Declines<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>fair<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>available-for-sale<div style="display:inline-block;width:6px"> </div>debt<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>their<div style="display:inline-block;width:6px"> </div>cost<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>other-than-</div><div id="a18983" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">temporary<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>reflected<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:5px"> </div>earnings<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>realized<div style="display:inline-block;width:5px"> </div>losses.<div style="display:inline-block;width:6px"> </div>In<div style="display:inline-block;width:5px"> </div>determining<div style="display:inline-block;width:6px"> </div>whether<div style="display:inline-block;width:5px"> </div>other-than-temporary<div style="display:inline-block;width:6px"> </div>impairment<div style="display:inline-block;width:6px"> </div>exists, </div><div id="a18990" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">management considers several factors in their analysis including<div style="display:inline-block;width:2px"> </div>(i) severity and duration of the<div style="display:inline-block;width:2px"> </div>impairment, (ii) credit rating </div><div id="a18992" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">of security including any downgrade, (iii) intent to sell the security, or if it is more likely than not that it will be required to sell </div><div id="a18995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">the<div style="display:inline-block;width:6px"> </div>security<div style="display:inline-block;width:6px"> </div>before<div style="display:inline-block;width:6px"> </div>recovery,<div style="display:inline-block;width:7px"> </div>(iv)<div style="display:inline-block;width:6px"> </div>whether<div style="display:inline-block;width:6px"> </div>there<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>any<div style="display:inline-block;width:6px"> </div>payment<div style="display:inline-block;width:6px"> </div>defaults<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>(v)<div style="display:inline-block;width:6px"> </div>underlying<div style="display:inline-block;width:6px"> </div>guarantor<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the </div><div id="a18997" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">securities.</div></div></div><div id="div_422_XBRL_TS_4bc18088a3c04775afc0c971bca4f3d6" style="position:absolute;left:0px;top:199px;float:left;"><div id="TextBlockContainer423" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:109px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19000" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Federal Home Loan Bank (FHLB) Stock </div><div id="a19005" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Bank is a member of the FHLB system. Members are required to<div style="display:inline-block;width:2px"> </div>own a certain amount of stock based on the level </div><div id="a19006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">of borrowings and<div style="display:inline-block;width:2px"> </div>other factors and<div style="display:inline-block;width:2px"> </div>may invest in<div style="display:inline-block;width:2px"> </div>additional amounts. FHLB<div style="display:inline-block;width:2px"> </div>stock is carried<div style="display:inline-block;width:2px"> </div>at cost, classified<div style="display:inline-block;width:2px"> </div>as a restricted </div><div id="a19013" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">asset, and<div style="display:inline-block;width:6px"> </div>periodically evaluated<div style="display:inline-block;width:6px"> </div>for impairment<div style="display:inline-block;width:6px"> </div>based on<div style="display:inline-block;width:6px"> </div>ultimate recovery<div style="display:inline-block;width:6px"> </div>of par<div style="display:inline-block;width:6px"> </div>value. As<div style="display:inline-block;width:6px"> </div>of December<div style="display:inline-block;width:5px"> </div>31, 2022<div style="display:inline-block;width:6px"> </div>and </div><div id="a19024" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">2021,<div style="display:inline-block;width:5px"> </div>FHLB<div style="display:inline-block;width:5px"> </div>stock<div style="display:inline-block;width:5px"> </div>amounted<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>$</div><div id="a19024_30_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:207px;top:77px;">2.9</div><div id="a19024_33_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:225px;top:77px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>$</div><div id="a19024_47_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:307px;top:77px;">2.1</div><div id="a19024_50_66" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:325px;top:77px;"><div style="display:inline-block;width:4px"> </div>million,<div style="display:inline-block;width:5px"> </div>respectively,<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:5px"> </div>no<div style="display:inline-block;width:5px"> </div>impairment<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:5px"> </div>necessary.<div style="display:inline-block;width:6px"> </div>Both </div><div id="a19040" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">cash and stock dividends are reported as interest income.</div></div></div><div id="div_424_XBRL_TS_3854b69a75384875958955d999620937" style="position:absolute;left:0px;top:322px;float:left;"><div id="TextBlockContainer425" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:569px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19046" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Loans Held for Investment and Allowance for Credit<div style="display:inline-block;width:5px"> </div>Losses </div><div id="a19049" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Loans held for investment (“loans”) are reported at their outstanding principal<div style="display:inline-block;width:5px"> </div>balance net of charge-offs, deferred loan </div><div id="a19052" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">fees,<div style="display:inline-block;width:5px"> </div>unearned<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>ACL.<div style="display:inline-block;width:5px"> </div>Interest<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>is generally<div style="display:inline-block;width:6px"> </div>recognized<div style="display:inline-block;width:5px"> </div>when<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>is earned<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>interest </div><div id="a19054" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">method.<div style="display:inline-block;width:5px"> </div>Loan<div style="display:inline-block;width:5px"> </div>origination<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>commitment<div style="display:inline-block;width:6px"> </div>fees<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>costs<div style="display:inline-block;width:5px"> </div>associated<div style="display:inline-block;width:5px"> </div>with<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>origination<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>deferred<div style="display:inline-block;width:5px"> </div>and </div><div id="a19055" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">amortized, using the interest method or the straight-line<div style="display:inline-block;width:5px"> </div>method, over the life of the related loan.<div style="display:inline-block;width:5px"> </div></div><div id="a19061" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:108px;">If the<div style="display:inline-block;width:5px"> </div>principal or<div style="display:inline-block;width:5px"> </div>interest on<div style="display:inline-block;width:6px"> </div>a commercial<div style="display:inline-block;width:6px"> </div>loan becomes<div style="display:inline-block;width:6px"> </div>due and<div style="display:inline-block;width:5px"> </div>unpaid for<div style="display:inline-block;width:6px"> </div>90 days<div style="display:inline-block;width:5px"> </div>or more,<div style="display:inline-block;width:6px"> </div>the loan<div style="display:inline-block;width:5px"> </div>is placed<div style="display:inline-block;width:6px"> </div>on </div><div id="a19062" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">non-accrual status as of<div style="display:inline-block;width:5px"> </div>the date it becomes<div style="display:inline-block;width:5px"> </div>90 days past due and<div style="display:inline-block;width:5px"> </div>remains in non-accrual<div style="display:inline-block;width:5px"> </div>status until it meets<div style="display:inline-block;width:5px"> </div>the criteria </div><div id="a19068" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">for restoration to accrual status.<div style="display:inline-block;width:5px"> </div>Residential loans, on<div style="display:inline-block;width:5px"> </div>the other hand, are placed<div style="display:inline-block;width:5px"> </div>on non-accrual status when<div style="display:inline-block;width:5px"> </div>the principal </div><div id="a19071" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">or interest<div style="display:inline-block;width:5px"> </div>becomes due<div style="display:inline-block;width:5px"> </div>and unpaid<div style="display:inline-block;width:5px"> </div>for 120<div style="display:inline-block;width:5px"> </div>days or<div style="display:inline-block;width:5px"> </div>more and<div style="display:inline-block;width:5px"> </div>remains in<div style="display:inline-block;width:5px"> </div>non-accrual status<div style="display:inline-block;width:5px"> </div>until it meets<div style="display:inline-block;width:6px"> </div>the criteria<div style="display:inline-block;width:5px"> </div>for </div><div id="a19075" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">restoration<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>accrual<div style="display:inline-block;width:6px"> </div>status.<div style="display:inline-block;width:6px"> </div>Restoring<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>accrual<div style="display:inline-block;width:6px"> </div>status<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:5px"> </div>possible<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>borrower<div style="display:inline-block;width:6px"> </div>resumes<div style="display:inline-block;width:6px"> </div>payment<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>all </div><div id="a19076" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">principal and interest<div style="display:inline-block;width:5px"> </div>payments for a period<div style="display:inline-block;width:5px"> </div>of six months<div style="display:inline-block;width:5px"> </div>and the Company<div style="display:inline-block;width:5px"> </div>has a documented<div style="display:inline-block;width:5px"> </div>expectation of repayment </div><div id="a19077" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest </div><div id="a19081" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">accrued but not<div style="display:inline-block;width:6px"> </div>collected for<div style="display:inline-block;width:5px"> </div>loans that are<div style="display:inline-block;width:6px"> </div>placed on<div style="display:inline-block;width:5px"> </div>nonaccrual status<div style="display:inline-block;width:5px"> </div>is reversed<div style="display:inline-block;width:5px"> </div>against interest<div style="display:inline-block;width:5px"> </div>income. The<div style="display:inline-block;width:5px"> </div>interest </div><div id="a19082" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">on these<div style="display:inline-block;width:6px"> </div>loans is<div style="display:inline-block;width:6px"> </div>accounted for<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>cash-basis<div style="display:inline-block;width:5px"> </div>or cost-recovery<div style="display:inline-block;width:6px"> </div>method,<div style="display:inline-block;width:5px"> </div>under which<div style="display:inline-block;width:6px"> </div>cash collections<div style="display:inline-block;width:6px"> </div>are applied<div style="display:inline-block;width:6px"> </div>to </div><div id="a19088" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">unpaid principal, which may change as conditions dictate.<div style="display:inline-block;width:5px"> </div></div><div id="a19091" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:276px;">The Company has determined that the entire balance of a<div style="display:inline-block;width:2px"> </div>loan is contractually delinquent for all classes if the<div style="display:inline-block;width:2px"> </div>minimum </div><div id="a19096" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">payment is not received by<div style="display:inline-block;width:2px"> </div>the specified due date on<div style="display:inline-block;width:2px"> </div>the borrower's statement. Interest and fees<div style="display:inline-block;width:2px"> </div>continue to accrue on past </div><div id="a19097" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">due loans until the date the loan goes into nonaccrual<div style="display:inline-block;width:5px"> </div>status. </div><div id="a19100" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">The Company provides for loan losses through a provision for credit losses charged to operations. When management </div><div id="a19104" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">believes that a<div style="display:inline-block;width:5px"> </div>loan or a portion<div style="display:inline-block;width:5px"> </div>of the loan balance<div style="display:inline-block;width:6px"> </div>is uncollectible, that<div style="display:inline-block;width:5px"> </div>amount is charged<div style="display:inline-block;width:5px"> </div>against the ACL.<div style="display:inline-block;width:5px"> </div>Subsequent </div><div id="a19105" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">recoveries, if any,<div style="display:inline-block;width:5px"> </div>are credited to the ACL. </div><div id="a19109" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">The ACL<div style="display:inline-block;width:5px"> </div>reflects management's<div style="display:inline-block;width:6px"> </div>judgment of<div style="display:inline-block;width:5px"> </div>probable loan losses<div style="display:inline-block;width:6px"> </div>inherent in<div style="display:inline-block;width:5px"> </div>the portfolio<div style="display:inline-block;width:5px"> </div>at the balance<div style="display:inline-block;width:6px"> </div>sheet date. </div><div id="a19110" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">Management uses a disciplined<div style="display:inline-block;width:5px"> </div>process and methodology<div style="display:inline-block;width:5px"> </div>to establish the<div style="display:inline-block;width:5px"> </div>ACL each quarter.<div style="display:inline-block;width:6px"> </div>To<div style="display:inline-block;width:6px"> </div>determine the total ACL, </div><div id="a19111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:430px;">the Company<div style="display:inline-block;width:6px"> </div>estimates the<div style="display:inline-block;width:6px"> </div>reserves needed<div style="display:inline-block;width:6px"> </div>for each<div style="display:inline-block;width:5px"> </div>segment of<div style="display:inline-block;width:6px"> </div>the portfolio,<div style="display:inline-block;width:5px"> </div>including loans<div style="display:inline-block;width:5px"> </div>analyzed individually<div style="display:inline-block;width:6px"> </div>and </div><div id="a19116" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:445px;">loans analyzed on a pooled basis. The ACL consists<div style="display:inline-block;width:5px"> </div>of the amount applicable to the following segments: </div><div id="a19119" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:476px;">•<div style="display:inline-block;width:19px"> </div>Residential real estate </div><div id="a19123" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:491px;">•<div style="display:inline-block;width:19px"> </div>Commercial real estate </div><div id="a19128" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:506px;">•<div style="display:inline-block;width:19px"> </div>Commercial and industrial </div><div id="a19132" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:522px;">•<div style="display:inline-block;width:19px"> </div>Foreign banks </div><div id="a19136" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:537px;">•<div style="display:inline-block;width:19px"> </div>Other loans (secured and unsecured consumer loans) </div></div></div></div><div id="TextBlockContainer430" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:906px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_428_XBRL_TS_3854b69a75384875958955d999620937_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer429" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:906px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19161" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Residential<div style="display:inline-block;width:5px"> </div>real<div style="display:inline-block;width:5px"> </div>estate<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>underwritten<div style="display:inline-block;width:5px"> </div>following<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>policies<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>which<div style="display:inline-block;width:5px"> </div>includes<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>review<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the </div><div id="a19165" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">borrower’s credit, capacity<div style="display:inline-block;width:2px"> </div>and the collateral<div style="display:inline-block;width:2px"> </div>securing the loan.<div style="display:inline-block;width:2px"> </div>The borrower’s ability<div style="display:inline-block;width:2px"> </div>to repay involves<div style="display:inline-block;width:2px"> </div>an analysis of<div style="display:inline-block;width:2px"> </div>factors </div><div id="a19167" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">including: current<div style="display:inline-block;width:5px"> </div>income, employment<div style="display:inline-block;width:5px"> </div>status, monthly<div style="display:inline-block;width:5px"> </div>payment of<div style="display:inline-block;width:5px"> </div>loan, current<div style="display:inline-block;width:5px"> </div>debt obligations,<div style="display:inline-block;width:5px"> </div>monthly debt<div style="display:inline-block;width:5px"> </div>to income </div><div id="a19169" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ratio and credit history. The Company relies on appraisals in determining the<div style="display:inline-block;width:5px"> </div>value of the property. Risk is mitigated by this </div><div id="a19173" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">analysis and the diversity of the residential portfolio. </div><div id="a19176" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Commercial real estate<div style="display:inline-block;width:2px"> </div>loans are<div style="display:inline-block;width:2px"> </div>secured by liens<div style="display:inline-block;width:2px"> </div>on commercial properties,<div style="display:inline-block;width:2px"> </div>land, construction and<div style="display:inline-block;width:2px"> </div>multifamily housing. </div><div id="a19178" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">Underwriting<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>commercial<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>will analyze<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>key<div style="display:inline-block;width:5px"> </div>market<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>business<div style="display:inline-block;width:5px"> </div>factors<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>arrive<div style="display:inline-block;width:5px"> </div>at<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>decision<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>credit </div><div id="a19179" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">worthiness of the borrower.<div style="display:inline-block;width:6px"> </div>The analysis may include<div style="display:inline-block;width:5px"> </div>the capacity of the<div style="display:inline-block;width:5px"> </div>borrower, income<div style="display:inline-block;width:6px"> </div>generated by property for<div style="display:inline-block;width:5px"> </div>debt </div><div id="a19181" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">service, other<div style="display:inline-block;width:5px"> </div>sources of<div style="display:inline-block;width:5px"> </div>repayment, sensitivity<div style="display:inline-block;width:6px"> </div>analysis to<div style="display:inline-block;width:5px"> </div>fluctuations in<div style="display:inline-block;width:6px"> </div>market conditions<div style="display:inline-block;width:6px"> </div>including vacancy<div style="display:inline-block;width:6px"> </div>and rental </div><div id="a19182" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease </div><div id="a19184" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">the property.<div style="display:inline-block;width:7px"> </div>Appraisals<div style="display:inline-block;width:5px"> </div>are used<div style="display:inline-block;width:6px"> </div>to determine<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>value of<div style="display:inline-block;width:6px"> </div>the underlying<div style="display:inline-block;width:6px"> </div>collateral.<div style="display:inline-block;width:5px"> </div>Risk<div style="display:inline-block;width:5px"> </div>is mitigated<div style="display:inline-block;width:6px"> </div>as the<div style="display:inline-block;width:6px"> </div>properties </div><div id="a19185" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">securing the commercial real estate loans are diverse in<div style="display:inline-block;width:5px"> </div>type, location, and loan structure.<div style="display:inline-block;width:8px"> </div></div><div id="a19189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">Commercial<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>industrial<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>secured<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>business<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>company<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>include<div style="display:inline-block;width:6px"> </div>equipment, </div><div id="a19190" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">inventory, and receivables.<div style="display:inline-block;width:6px"> </div>The loans are underwritten based on the<div style="display:inline-block;width:5px"> </div>income capacity of the business, the ability<div style="display:inline-block;width:5px"> </div>to service </div><div id="a19191" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">the debt based<div style="display:inline-block;width:5px"> </div>on operating cash<div style="display:inline-block;width:5px"> </div>flows, the credit<div style="display:inline-block;width:6px"> </div>worthiness of the<div style="display:inline-block;width:5px"> </div>borrower,<div style="display:inline-block;width:5px"> </div>other sources<div style="display:inline-block;width:5px"> </div>of repayment and<div style="display:inline-block;width:5px"> </div>collateral. </div><div id="a19193" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">The Company mitigates the risk in the commercial portfolio<div style="display:inline-block;width:5px"> </div>through industry diversification.<div style="display:inline-block;width:5px"> </div></div><div id="a19199" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:291px;">Foreign Banks<div style="display:inline-block;width:6px"> </div>loans are<div style="display:inline-block;width:6px"> </div>short term<div style="display:inline-block;width:6px"> </div>loans with<div style="display:inline-block;width:6px"> </div>international correspondent<div style="display:inline-block;width:6px"> </div>banking institutions<div style="display:inline-block;width:6px"> </div>primarily<div style="display:inline-block;width:5px"> </div>domiciled in </div><div id="a19201" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">Latin America. Most of these loans are for trade capital and have a<div style="display:inline-block;width:5px"> </div>life of less than one year. The<div style="display:inline-block;width:5px"> </div>Company’s credit review </div><div id="a19205" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:322px;">includes a credit analysis, peer comparison and current<div style="display:inline-block;width:5px"> </div>country risk overview.<div style="display:inline-block;width:5px"> </div>Annual re-evaluation of the risk rating of the </div><div id="a19209" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:337px;">borrower and country and a review of authorized<div style="display:inline-block;width:5px"> </div>signer within the Company.<div style="display:inline-block;width:6px"> </div>The risk is mitigated as these loans are short </div><div id="a19212" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">term, have limited exposure, and are geographically dispersed.<div style="display:inline-block;width:5px"> </div></div><div id="a19215" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:383px;">Other<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>secured<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>unsecured<div style="display:inline-block;width:6px"> </div>consumer<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>personal<div style="display:inline-block;width:6px"> </div>loans,<div style="display:inline-block;width:6px"> </div>overdrafts<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>deposit<div style="display:inline-block;width:6px"> </div>account </div><div id="a19217" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:399px;">collateralized<div style="display:inline-block;width:7px"> </div>loans.<div style="display:inline-block;width:7px"> </div>Repayment<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>loans<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:7px"> </div>primarily<div style="display:inline-block;width:7px"> </div>from<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>personal<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>borrowers.<div style="display:inline-block;width:7px"> </div>Loans<div style="display:inline-block;width:7px"> </div>are </div><div id="a19218" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">underwritten based on the credit worthiness of the borrower.<div style="display:inline-block;width:6px"> </div>The risk on these loans is mitigated by small loan balances.<div style="display:inline-block;width:9px"> </div></div><div id="a19222" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:445px;">In<div style="display:inline-block;width:5px"> </div>determining<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>balance<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>ACL,<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>pooled<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:5px"> </div>product<div style="display:inline-block;width:6px"> </div>segments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>similar<div style="display:inline-block;width:6px"> </div>risk<div style="display:inline-block;width:6px"> </div>characteristics<div style="display:inline-block;width:6px"> </div>and </div><div id="a19223" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">management evaluates<div style="display:inline-block;width:5px"> </div>the ACL<div style="display:inline-block;width:5px"> </div>on each<div style="display:inline-block;width:5px"> </div>segment and<div style="display:inline-block;width:5px"> </div>as a<div style="display:inline-block;width:5px"> </div>whole to<div style="display:inline-block;width:5px"> </div>maintain the<div style="display:inline-block;width:5px"> </div>allowance at<div style="display:inline-block;width:5px"> </div>an adequate<div style="display:inline-block;width:5px"> </div>level based </div><div id="a19225" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:475px;">on factors which, in<div style="display:inline-block;width:5px"> </div>management's judgment,<div style="display:inline-block;width:5px"> </div>deserve current recognition in<div style="display:inline-block;width:5px"> </div>estimating credit losses.<div style="display:inline-block;width:5px"> </div>Such factors include </div><div id="a19226" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:491px;">changes in prevailing economic conditions, historical loss experience,<div style="display:inline-block;width:5px"> </div>delinquency trends, changes in the composition and </div><div id="a19228" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">size of the loan portfolio and the overall credit worthiness<div style="display:inline-block;width:5px"> </div>of the borrowers. </div><div id="a19231" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:537px;">The ACL<div style="display:inline-block;width:5px"> </div>consists of<div style="display:inline-block;width:6px"> </div>general and<div style="display:inline-block;width:5px"> </div>specific components.<div style="display:inline-block;width:6px"> </div>The following<div style="display:inline-block;width:5px"> </div>is how<div style="display:inline-block;width:5px"> </div>management determines<div style="display:inline-block;width:6px"> </div>the balance<div style="display:inline-block;width:5px"> </div>of </div><div id="a19232" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:552px;">the general component for the ACL account for each segment<div style="display:inline-block;width:5px"> </div>of the loans as described above.<div style="display:inline-block;width:5px"> </div></div><div id="a19236" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:583px;">The loan segments<div style="display:inline-block;width:5px"> </div>are primarily grouped by<div style="display:inline-block;width:5px"> </div>collateral type with similar<div style="display:inline-block;width:6px"> </div>risk characteristics and<div style="display:inline-block;width:5px"> </div>a historical loss<div style="display:inline-block;width:5px"> </div>rate is </div><div id="a19237" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:598px;">determined based on a ten year look back period. The Company applies time weights to<div style="display:inline-block;width:2px"> </div>consider various stages of a credit </div><div id="a19241" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:613px;">cycle.<div style="display:inline-block;width:4px"> </div></div><div id="a19244" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:644px;">The<div style="display:inline-block;width:8px"> </div>ACL<div style="display:inline-block;width:7px"> </div>calculation<div style="display:inline-block;width:8px"> </div>is<div style="display:inline-block;width:7px"> </div>based<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:7px"> </div>Company’s<div style="display:inline-block;width:8px"> </div>own<div style="display:inline-block;width:7px"> </div>net<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:8px"> </div>experience<div style="display:inline-block;width:8px"> </div>adjusted<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:8px"> </div>certain<div style="display:inline-block;width:8px"> </div>qualitative<div style="display:inline-block;width:8px"> </div>and </div><div id="a19251" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:659px;">environmental factors. To<div style="display:inline-block;width:6px"> </div>estimate the impact of<div style="display:inline-block;width:5px"> </div>non-recurrent losses, management<div style="display:inline-block;width:5px"> </div>has developed a statistical<div style="display:inline-block;width:5px"> </div>study that </div><div id="a19257" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:675px;">tracks historical non-recurring<div style="display:inline-block;width:6px"> </div>losses at a<div style="display:inline-block;width:5px"> </div>loan level. This<div style="display:inline-block;width:6px"> </div>analysis is<div style="display:inline-block;width:5px"> </div>used to estimate<div style="display:inline-block;width:6px"> </div>an adjusted loss<div style="display:inline-block;width:5px"> </div>rate for<div style="display:inline-block;width:5px"> </div>each loan </div><div id="a19260" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:690px;">pool. Management believes the<div style="display:inline-block;width:5px"> </div>effect of these losses<div style="display:inline-block;width:5px"> </div>results in a loss<div style="display:inline-block;width:5px"> </div>rate that is more<div style="display:inline-block;width:5px"> </div>consistent with the behavior<div style="display:inline-block;width:5px"> </div>of the </div><div id="a19262" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:705px;">loan portfolio in the normal course of business.<div style="display:inline-block;width:5px"> </div></div><div id="a19265" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:736px;">Qualitative<div style="display:inline-block;width:7px"> </div>factors<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>applied<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>historical<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:6px"> </div>rates<div style="display:inline-block;width:7px"> </div>based<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>management's<div style="display:inline-block;width:7px"> </div>experience<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>assessment.<div style="display:inline-block;width:7px"> </div>The </div><div id="a19266" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:751px;">following are the factors used to adjust the historical<div style="display:inline-block;width:5px"> </div>loss rates:<div style="display:inline-block;width:4px"> </div></div><div id="a19270" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:782px;">•<div style="display:inline-block;width:19px"> </div>Loan quality review </div><div id="a19274" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:797px;">•<div style="display:inline-block;width:19px"> </div>Lending and credit management /staff expertise<div style="display:inline-block;width:5px"> </div>and practices </div><div id="a19278" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:813px;">•<div style="display:inline-block;width:19px"> </div>Economic and business conditions </div><div id="a19282" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:828px;">•<div style="display:inline-block;width:19px"> </div>Lending and credit underwriting policies and procedures </div><div id="a19286" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:843px;">•<div style="display:inline-block;width:19px"> </div>Problem loan levels and trends </div><div id="a19290" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:859px;">•<div style="display:inline-block;width:19px"> </div>Collateral concentrations </div><div id="a19295" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:874px;">•<div style="display:inline-block;width:19px"> </div>Large obligor concentration </div><div id="a19299" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:889px;">•<div style="display:inline-block;width:19px"> </div>New loan volumes </div></div></div></div><div id="TextBlockContainer436" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:737px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_432_XBRL_TS_3854b69a75384875958955d999620937_2" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer433" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:737px;height:691px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19323" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">•<div style="display:inline-block;width:19px"> </div>Combined loan to value (“CLTV”)<div style="display:inline-block;width:6px"> </div>qualitative adjustment for substandard accrual loan segment </div><div id="a19328" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Changes in these factors could<div style="display:inline-block;width:2px"> </div>result in material adjustments to the<div style="display:inline-block;width:2px"> </div>ACL. The losses the Company may<div style="display:inline-block;width:2px"> </div>ultimately incur </div><div id="a19333" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">could differ materially from the amounts estimated<div style="display:inline-block;width:5px"> </div>in arriving at the ACL. </div><div id="a19336" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">In addition<div style="display:inline-block;width:5px"> </div>to the<div style="display:inline-block;width:6px"> </div>ACL, the<div style="display:inline-block;width:6px"> </div>Company also<div style="display:inline-block;width:6px"> </div>estimates probable<div style="display:inline-block;width:6px"> </div>losses related<div style="display:inline-block;width:6px"> </div>to financial<div style="display:inline-block;width:6px"> </div>instruments with<div style="display:inline-block;width:6px"> </div>off-balance </div><div id="a19342" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">sheet risk, such as letters<div style="display:inline-block;width:5px"> </div>of credit and unfunded loan<div style="display:inline-block;width:5px"> </div>commitments, and records these estimates<div style="display:inline-block;width:6px"> </div>in other liabilities on the </div><div id="a19345" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">Consolidated<div style="display:inline-block;width:8px"> </div>Balance<div style="display:inline-block;width:8px"> </div>Sheets<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>offset<div style="display:inline-block;width:8px"> </div>recorded<div style="display:inline-block;width:8px"> </div>in<div style="display:inline-block;width:7px"> </div>non-interest<div style="display:inline-block;width:8px"> </div>expense<div style="display:inline-block;width:8px"> </div>on<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>Consolidated<div style="display:inline-block;width:8px"> </div>Statements<div style="display:inline-block;width:8px"> </div>of </div><div id="a19348" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">Operations.<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:7px"> </div>instruments<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:6px"> </div>off-balance<div style="display:inline-block;width:7px"> </div>sheet<div style="display:inline-block;width:6px"> </div>risk<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>subject<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>review<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:6px"> </div>aggregate<div style="display:inline-block;width:7px"> </div>basis.<div style="display:inline-block;width:6px"> </div>Past<div style="display:inline-block;width:6px"> </div>loss </div><div id="a19352" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">experience and<div style="display:inline-block;width:2px"> </div>any other<div style="display:inline-block;width:2px"> </div>pertinent information is<div style="display:inline-block;width:2px"> </div>reviewed, resulting in<div style="display:inline-block;width:2px"> </div>the estimation<div style="display:inline-block;width:2px"> </div>of the<div style="display:inline-block;width:2px"> </div>reserve for financial<div style="display:inline-block;width:2px"> </div>instruments </div><div id="a19354" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">with off-balance sheet risk. </div><div id="a19359" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:184px;">A loan is considered<div style="display:inline-block;width:6px"> </div>impaired when, based<div style="display:inline-block;width:5px"> </div>on current information<div style="display:inline-block;width:5px"> </div>and events, it<div style="display:inline-block;width:5px"> </div>is probable that<div style="display:inline-block;width:5px"> </div>the Company will<div style="display:inline-block;width:5px"> </div>be </div><div id="a19364" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">unable to<div style="display:inline-block;width:5px"> </div>collect the<div style="display:inline-block;width:5px"> </div>scheduled payments<div style="display:inline-block;width:6px"> </div>of principal<div style="display:inline-block;width:5px"> </div>or interest<div style="display:inline-block;width:5px"> </div>when due<div style="display:inline-block;width:5px"> </div>according to<div style="display:inline-block;width:5px"> </div>the contractual<div style="display:inline-block;width:5px"> </div>terms of<div style="display:inline-block;width:5px"> </div>the loan </div><div id="a19365" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">agreement or when the loan<div style="display:inline-block;width:5px"> </div>is designated as a Troubled<div style="display:inline-block;width:6px"> </div>Debt Restructuring (“TDR”). Factors<div style="display:inline-block;width:5px"> </div>considered by management </div><div id="a19367" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">in determining impairment include payment status, collateral value, and the probability of collecting<div style="display:inline-block;width:2px"> </div>scheduled principal and </div><div id="a19369" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">interest payments when due.<div style="display:inline-block;width:5px"> </div>Loans that experience insignificant<div style="display:inline-block;width:5px"> </div>payment delays and payment<div style="display:inline-block;width:5px"> </div>shortfalls generally are not </div><div id="a19371" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">classified as impaired. Impairment is measured on a loan by loan basis by either the present value<div style="display:inline-block;width:5px"> </div>of expected future cash </div><div id="a19372" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">flows discounted at the loan's effective<div style="display:inline-block;width:5px"> </div>interest rate, the loan's obtainable<div style="display:inline-block;width:5px"> </div>fair value, or the fair value of<div style="display:inline-block;width:5px"> </div>the collateral, if the </div><div id="a19374" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:291px;">loan<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>collateral<div style="display:inline-block;width:6px"> </div>dependent.<div style="display:inline-block;width:6px"> </div>If<div style="display:inline-block;width:6px"> </div>management<div style="display:inline-block;width:6px"> </div>determines<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>impaired<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>less<div style="display:inline-block;width:6px"> </div>than<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>recorded </div><div id="a19375" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">investment in the loan (outstanding principal balance plus accrued interest, net of previous charge-offs, and net of deferred </div><div id="a19379" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:322px;">loan fees or cost), impairment is recognized through an allowance<div style="display:inline-block;width:5px"> </div>estimate or a charge-off to the ACL. </div><div id="a19384" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:353px;">In<div style="display:inline-block;width:6px"> </div>situations<div style="display:inline-block;width:6px"> </div>where,<div style="display:inline-block;width:6px"> </div>due<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>borrower's<div style="display:inline-block;width:6px"> </div>financial<div style="display:inline-block;width:6px"> </div>difficulties,<div style="display:inline-block;width:7px"> </div>management<div style="display:inline-block;width:7px"> </div>grants<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>concession<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>other<div style="display:inline-block;width:6px"> </div>than<div style="display:inline-block;width:6px"> </div>an </div><div id="a19385" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">insignificant period of time to the borrower that would not<div style="display:inline-block;width:5px"> </div>otherwise be granted, the loan is classified as a TDR.<div style="display:inline-block;width:5px"> </div></div><div id="a19389" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">On March 27,<div style="display:inline-block;width:2px"> </div>2020, the Coronavirus Aid,<div style="display:inline-block;width:2px"> </div>Relief, and Economic<div style="display:inline-block;width:2px"> </div>Security Act (“CARES<div style="display:inline-block;width:2px"> </div>Act”) was signed<div style="display:inline-block;width:2px"> </div>by the President </div><div id="a19392" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">of the United<div style="display:inline-block;width:6px"> </div>States. The<div style="display:inline-block;width:5px"> </div>CARES Act<div style="display:inline-block;width:5px"> </div>has certain<div style="display:inline-block;width:5px"> </div>provisions which<div style="display:inline-block;width:5px"> </div>encourage financial<div style="display:inline-block;width:6px"> </div>institutions to<div style="display:inline-block;width:5px"> </div>prudently work<div style="display:inline-block;width:5px"> </div>with </div><div id="a19393" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:429px;">borrowers impacted<div style="display:inline-block;width:6px"> </div>by COVID<div style="display:inline-block;width:1px"> </div>-19. Under<div style="display:inline-block;width:6px"> </div>these provisions,<div style="display:inline-block;width:6px"> </div>modifications<div style="display:inline-block;width:5px"> </div>deemed to<div style="display:inline-block;width:6px"> </div>be COVID<div style="display:inline-block;width:1px"> </div>-19 related<div style="display:inline-block;width:6px"> </div>would not<div style="display:inline-block;width:6px"> </div>be </div><div id="a19398" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:445px;">considered a TDR if the loan was not more than 30 days past<div style="display:inline-block;width:2px"> </div>due as of December 31, 2019. The deferral would need to be </div><div id="a19400" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">executed March<div style="display:inline-block;width:6px"> </div>1, 2020<div style="display:inline-block;width:6px"> </div>and the<div style="display:inline-block;width:6px"> </div>earlier of<div style="display:inline-block;width:6px"> </div>60 days<div style="display:inline-block;width:6px"> </div>after the<div style="display:inline-block;width:6px"> </div>date of<div style="display:inline-block;width:6px"> </div>termination of<div style="display:inline-block;width:6px"> </div>the COVID-19<div style="display:inline-block;width:6px"> </div>national emergency<div style="display:inline-block;width:6px"> </div>or </div><div id="a19403" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:475px;">December<div style="display:inline-block;width:5px"> </div>31, 2020.<div style="display:inline-block;width:6px"> </div>Additional<div style="display:inline-block;width:5px"> </div>legislation<div style="display:inline-block;width:5px"> </div>was passed<div style="display:inline-block;width:6px"> </div>in December<div style="display:inline-block;width:6px"> </div>of 2020<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:5px"> </div>extended<div style="display:inline-block;width:5px"> </div>the TDR<div style="display:inline-block;width:6px"> </div>relief<div style="display:inline-block;width:5px"> </div>to January<div style="display:inline-block;width:6px"> </div>1, </div><div id="a19405" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:491px;">2022. Banking regulators issued similar guidance clarifying that a COVID-19<div style="display:inline-block;width:5px"> </div>related modification should not be considered </div><div id="a19408" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and </div><div id="a19410" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:521px;">considered short-term. See Note 3 “Loans” for additional disclosures<div style="display:inline-block;width:5px"> </div>of loans that were modified and not considered TDR.<div style="display:inline-block;width:5px"> </div></div><div id="a19415" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:552px;">In addition to the<div style="display:inline-block;width:5px"> </div>allowance for the<div style="display:inline-block;width:5px"> </div>pooled portfolios, management<div style="display:inline-block;width:5px"> </div>has developed a separate<div style="display:inline-block;width:5px"> </div>allowance for loans<div style="display:inline-block;width:5px"> </div>that </div><div id="a19418" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:567px;">are identified as<div style="display:inline-block;width:2px"> </div>impaired through a<div style="display:inline-block;width:2px"> </div>TDR. These loans<div style="display:inline-block;width:2px"> </div>are excluded from<div style="display:inline-block;width:2px"> </div>the general<div style="display:inline-block;width:2px"> </div>component of the<div style="display:inline-block;width:2px"> </div>ACL, and a<div style="display:inline-block;width:2px"> </div>separate </div><div id="a19419" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:583px;">reserve is provided under the accounting guidance for loan<div style="display:inline-block;width:2px"> </div>impairment. Residential loans whose terms have been modified </div><div id="a19421" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:598px;">in a TDR are also individually analyzed for estimated impairment. </div><div id="a19424" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:629px;">The Company's charge-off policy<div style="display:inline-block;width:5px"> </div>is to review all impaired loans on a quarterly basis in order to monitor<div style="display:inline-block;width:5px"> </div>the Company's </div><div id="a19431" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:644px;">ability to<div style="display:inline-block;width:6px"> </div>collect<div style="display:inline-block;width:5px"> </div>them<div style="display:inline-block;width:5px"> </div>in full<div style="display:inline-block;width:6px"> </div>at maturity<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:5px"> </div>and/or<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>accordance<div style="display:inline-block;width:5px"> </div>with terms<div style="display:inline-block;width:7px"> </div>of any<div style="display:inline-block;width:6px"> </div>restructurings.<div style="display:inline-block;width:5px"> </div>For<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>which are </div><div id="a19434" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:659px;">collateral dependent,<div style="display:inline-block;width:5px"> </div>or deemed<div style="display:inline-block;width:5px"> </div>to be uncollectible,<div style="display:inline-block;width:6px"> </div>any shortfall<div style="display:inline-block;width:5px"> </div>in the fair<div style="display:inline-block;width:6px"> </div>value of<div style="display:inline-block;width:5px"> </div>the collateral relative<div style="display:inline-block;width:6px"> </div>to the recorded </div><div id="a19436" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:675px;">investment in the loan is charged off.</div></div></div><div id="a19436_38_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:675px;"><div style="display:inline-block;width:4px"> </div></div><div id="div_434_XBRL_TS_501df6ba04284a7f8906b38ea337b290" style="position:absolute;left:0px;top:705px;float:left;"><div id="TextBlockContainer435" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19440" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Concentration of Credit Risks </div><div id="a19443" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Credit<div style="display:inline-block;width:5px"> </div>risk<div style="display:inline-block;width:6px"> </div>represents<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>accounting<div style="display:inline-block;width:6px"> </div>loss<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:6px"> </div>would<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>recognized<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>reporting<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:5px"> </div>if<div style="display:inline-block;width:5px"> </div>counterparties<div style="display:inline-block;width:6px"> </div>failed<div style="display:inline-block;width:5px"> </div>to </div><div id="a19444" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">perform as contracted and any collateral or security proved to be insufficient<div style="display:inline-block;width:5px"> </div>to cover the loss. Concentrations of credit risk </div><div id="a19448" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">(whether on or off-balance sheet) arising from financial instruments exist in relation to<div style="display:inline-block;width:2px"> </div>certain groups of customers. A group </div><div id="a19451" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concentration arises when<div style="display:inline-block;width:6px"> </div>a number of<div style="display:inline-block;width:5px"> </div>counterparties have similar<div style="display:inline-block;width:6px"> </div>economic characteristics<div style="display:inline-block;width:5px"> </div>that would cause<div style="display:inline-block;width:5px"> </div>their ability </div><div id="a19453" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">to meet contractual obligations to be similarly affected by changes in economic or other conditions. The Company does not </div><div id="a19454" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">have a significant exposure to any individual customer<div style="display:inline-block;width:5px"> </div>or counterparty. </div><div id="a19457" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">Most of the Company's business activity is with<div style="display:inline-block;width:2px"> </div>customers located within its primary market area, which is<div style="display:inline-block;width:2px"> </div>generally the </div><div id="a19459" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">State of Florida. The Company's loan portfolio is concentrated largely in real estate and commercial loans in South Florida. </div><div id="a19460" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Many of the Company's<div style="display:inline-block;width:5px"> </div>loan customers are<div style="display:inline-block;width:5px"> </div>engaged in real estate<div style="display:inline-block;width:5px"> </div>development. Circumstances,<div style="display:inline-block;width:5px"> </div>which negatively impact </div></div></div></div><div id="TextBlockContainer448" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:906px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_438_XBRL_TS_501df6ba04284a7f8906b38ea337b290_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer439" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:277px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19482" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">the South Florida real estate industry<div style="display:inline-block;width:2px"> </div>or the South Florida economy, in general, could adversely impact the<div style="display:inline-block;width:2px"> </div>Company's loan </div><div id="a19483" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">portfolio. </div><div id="a19486" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">At December 31,<div style="display:inline-block;width:6px"> </div>2022 and<div style="display:inline-block;width:6px"> </div>2021, the<div style="display:inline-block;width:5px"> </div>Company had<div style="display:inline-block;width:6px"> </div>a concentration<div style="display:inline-block;width:6px"> </div>of risk<div style="display:inline-block;width:6px"> </div>with loans<div style="display:inline-block;width:5px"> </div>outstanding to<div style="display:inline-block;width:6px"> </div>the Company’s </div><div id="a19491" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">top ten lending relationships<div style="display:inline-block;width:5px"> </div>totaling $</div><div id="a19491_40_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:61px;">197.9</div><div id="a19491_45_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:61px;"><div style="display:inline-block;width:4px"> </div>million and $</div><div id="a19491_59_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:342px;top:61px;">156.4</div><div id="a19491_64_60" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:61px;"><div style="display:inline-block;width:4px"> </div>million, respectively.<div style="display:inline-block;width:6px"> </div>At December 31, 2022 and<div style="display:inline-block;width:5px"> </div>2021, this </div><div id="a19507" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concentration represented </div><div id="a19507_26_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:165px;top:77px;">13.1</div><div id="a19507_30_82" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:191px;top:77px;">%, of<div style="display:inline-block;width:6px"> </div>the net<div style="display:inline-block;width:5px"> </div>loans outstanding.<div style="display:inline-block;width:6px"> </div>For the<div style="display:inline-block;width:5px"> </div>period ended<div style="display:inline-block;width:6px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2022 there<div style="display:inline-block;width:6px"> </div>was </div><div id="a19507_112_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:703px;top:77px;">one</div><div id="a19514" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">commercial real estate loan note with an outstanding balance of $</div><div id="a19514_65_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:392px;top:92px;">20</div><div id="a19514_67_30" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:407px;top:92px;"><div style="display:inline-block;width:4px"> </div>million collateralized by a 1</div><div id="a19515" style="position:absolute;font-family:'Arial';font-size:8.64px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:92px;">st</div><div id="a19516" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:576px;top:92px;"><div style="display:inline-block;width:4px"> </div>lien commercial property </div><div id="a19518" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">located in New York<div style="display:inline-block;width:6px"> </div>State.<div style="display:inline-block;width:4px"> </div></div><div id="a19521" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">At December 31,<div style="display:inline-block;width:6px"> </div>2022, the<div style="display:inline-block;width:5px"> </div>Company also<div style="display:inline-block;width:5px"> </div>had a<div style="display:inline-block;width:5px"> </div>concentration of<div style="display:inline-block;width:6px"> </div>risk with<div style="display:inline-block;width:5px"> </div>loans outstanding<div style="display:inline-block;width:6px"> </div>totaling $</div><div id="a19521_100_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:138px;">88.8</div><div id="a19521_104_12" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:138px;"><div style="display:inline-block;width:4px"> </div>million to </div><div id="a19531" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">foreign banks located<div style="display:inline-block;width:5px"> </div>in Ecuador,<div style="display:inline-block;width:5px"> </div>Dominican Republic, Honduras,<div style="display:inline-block;width:6px"> </div>and El Salvador.<div style="display:inline-block;width:6px"> </div>At December 31, 2021,<div style="display:inline-block;width:6px"> </div>the Company </div><div id="a19539" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">also had a concentration of risk<div style="display:inline-block;width:2px"> </div>with loans outstanding totaling $</div><div id="a19539_66_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:169px;">47.9</div><div id="a19539_70_56" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:169px;"><div style="display:inline-block;width:3px"> </div>million to foreign banks located in<div style="display:inline-block;width:2px"> </div>Ecuador, Honduras, </div><div id="a19546" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">and<div style="display:inline-block;width:8px"> </div>El<div style="display:inline-block;width:8px"> </div>Salvador.<div style="display:inline-block;width:9px"> </div>These<div style="display:inline-block;width:8px"> </div>banks<div style="display:inline-block;width:8px"> </div>maintained<div style="display:inline-block;width:8px"> </div>deposits<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:8px"> </div>right<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>offset<div style="display:inline-block;width:8px"> </div>totaling<div style="display:inline-block;width:8px"> </div>$</div><div id="a19546_80_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:184px;">31.4</div><div id="a19546_84_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:544px;top:184px;"><div style="display:inline-block;width:8px"> </div>million<div style="display:inline-block;width:8px"> </div>and<div style="display:inline-block;width:8px"> </div>$</div><div id="a19546_98_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:635px;top:184px;">28.9</div><div id="a19546_102_12" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:184px;"><div style="display:inline-block;width:8px"> </div>million<div style="display:inline-block;width:8px"> </div>at </div><div id="a19555" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">December 31, 2022 and 2021, respectively. </div><div id="a19564" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:230px;">At various times<div style="display:inline-block;width:5px"> </div>during the year,<div style="display:inline-block;width:5px"> </div>the Company has<div style="display:inline-block;width:5px"> </div>maintained deposits with<div style="display:inline-block;width:5px"> </div>other financial institutions.<div style="display:inline-block;width:5px"> </div>The exposure </div><div id="a19566" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">to the Company<div style="display:inline-block;width:2px"> </div>from these transactions is<div style="display:inline-block;width:2px"> </div>solely dependent upon<div style="display:inline-block;width:2px"> </div>daily balances and the<div style="display:inline-block;width:2px"> </div>financial strength of the<div style="display:inline-block;width:2px"> </div>respective </div><div id="a19567" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">institution.</div></div></div><div id="div_440_XBRL_TS_2c527f92dcf4475eaeebd3c48e96690e" style="position:absolute;left:0px;top:291px;float:left;"><div id="TextBlockContainer441" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:232px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19570" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Premises and Equipment, net </div><div id="a19578" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Land is<div style="display:inline-block;width:6px"> </div>carried at<div style="display:inline-block;width:6px"> </div>cost. Premises<div style="display:inline-block;width:6px"> </div>and equipment<div style="display:inline-block;width:6px"> </div>are stated<div style="display:inline-block;width:6px"> </div>at cost<div style="display:inline-block;width:6px"> </div>less accumulated<div style="display:inline-block;width:6px"> </div>depreciation<div style="display:inline-block;width:5px"> </div>and amortization. </div><div id="a19580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Depreciation is computed<div style="display:inline-block;width:5px"> </div>on the straight-line<div style="display:inline-block;width:5px"> </div>method over the<div style="display:inline-block;width:5px"> </div>estimated useful life<div style="display:inline-block;width:5px"> </div>of the asset. Leasehold<div style="display:inline-block;width:6px"> </div>improvements </div><div id="a19583" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">are amortized over the<div style="display:inline-block;width:5px"> </div>remaining term of<div style="display:inline-block;width:5px"> </div>the applicable leases or their<div style="display:inline-block;width:5px"> </div>useful lives, whichever<div style="display:inline-block;width:5px"> </div>is shorter.<div style="display:inline-block;width:5px"> </div>Estimated useful </div><div id="a19585" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">lives of these assets were as follows: </div><div id="a19588" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:108px;">Building<div style="display:inline-block;width:241px"> </div></div><div id="a19588_14_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:108px;">40</div><div id="a19588_16_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:404px;top:108px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19597" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:123px;">Furniture, fixtures and equipment<div style="display:inline-block;width:93px"> </div></div><div id="a19597_35_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:123px;">3</div><div id="a19597_36_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:123px;"><div style="display:inline-block;width:4px"> </div>to </div><div id="a19597_40_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:415px;top:123px;">25</div><div id="a19597_42_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:430px;top:123px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19602" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:138px;">Computer hardware and software<div style="display:inline-block;width:91px"> </div></div><div id="a19602_32_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:138px;">3</div><div id="a19602_33_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:138px;"><div style="display:inline-block;width:4px"> </div>to </div><div id="a19602_37_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:415px;top:138px;">5</div><div id="a19602_38_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:422px;top:138px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19607" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:153px;">Leasehold improvements<div style="display:inline-block;width:140px"> </div>Shorter of life or term of lease </div><div id="a19615" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:184px;">Maintenance<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>repairs<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>charged<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>expense<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>incurred<div style="display:inline-block;width:6px"> </div>while<div style="display:inline-block;width:5px"> </div>improvements<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>betterments<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>capitalized. </div><div id="a19619" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">When items are retired or are<div style="display:inline-block;width:5px"> </div>otherwise disposed of, the related costs<div style="display:inline-block;width:5px"> </div>and accumulated depreciation and<div style="display:inline-block;width:5px"> </div>amortization are </div><div id="a19622" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">removed from the accounts and any resulting gains or losses<div style="display:inline-block;width:5px"> </div>are credited or charged to income.</div></div></div><div id="div_442_XBRL_TS_d2d4699351234e939513a745f3420e44" style="position:absolute;left:0px;top:537px;float:left;"><div id="TextBlockContainer443" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:154px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19625" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Other Real Estate Owned </div><div id="a19628" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Other real estate<div style="display:inline-block;width:6px"> </div>owned (“OREO”)<div style="display:inline-block;width:5px"> </div>consists of real<div style="display:inline-block;width:6px"> </div>estate property<div style="display:inline-block;width:5px"> </div>acquired through,<div style="display:inline-block;width:5px"> </div>or in lieu<div style="display:inline-block;width:5px"> </div>of, foreclosure<div style="display:inline-block;width:5px"> </div>that are </div><div id="a19630" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">held for sale and are initially recorded at<div style="display:inline-block;width:2px"> </div>the fair value of the property less estimated selling<div style="display:inline-block;width:2px"> </div>costs at the date of foreclosure, </div><div id="a19632" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">establishing a<div style="display:inline-block;width:6px"> </div>new cost<div style="display:inline-block;width:5px"> </div>basis. Subsequent<div style="display:inline-block;width:6px"> </div>to foreclosure,<div style="display:inline-block;width:6px"> </div>valuations are<div style="display:inline-block;width:5px"> </div>periodically performed<div style="display:inline-block;width:6px"> </div>by management<div style="display:inline-block;width:6px"> </div>and the </div><div id="a19634" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">assets are carried at the lower of carrying amount or fair value less cost to sell. Subsequent write-downs are recognized as </div><div id="a19637" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">a valuation allowance with the offset recorded in the Consolidated Statements of Operations. Carrying<div style="display:inline-block;width:2px"> </div>costs are charged to </div><div id="a19638" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">other real estate owned expenses<div style="display:inline-block;width:6px"> </div>in the accompanying Consolidated<div style="display:inline-block;width:5px"> </div>Statements of Operation. Gains<div style="display:inline-block;width:5px"> </div>or losses on sale of </div><div id="a19640" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">OREO<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>recognized<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:6px"> </div>consideration<div style="display:inline-block;width:6px"> </div>has<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>exchanged,<div style="display:inline-block;width:6px"> </div>all<div style="display:inline-block;width:6px"> </div>closing<div style="display:inline-block;width:6px"> </div>conditions<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>met<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>permanent </div><div id="a19641" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">financing has been arranged.</div></div></div><div id="a19641_28_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:178px;top:675px;"><div style="display:inline-block;width:8px"> </div></div><div id="div_444_XBRL_TS_a6799ed806bb47e5b65ec3e5b9fa9979" style="position:absolute;left:0px;top:705px;float:left;"><div id="TextBlockContainer445" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:109px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19644" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Bank Owned Life Insurance </div><div id="a19648" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Bank owned<div style="display:inline-block;width:6px"> </div>life insurance<div style="display:inline-block;width:6px"> </div>(“BOLI”) is<div style="display:inline-block;width:5px"> </div>carried at<div style="display:inline-block;width:6px"> </div>the amount<div style="display:inline-block;width:6px"> </div>that could<div style="display:inline-block;width:6px"> </div>be realized<div style="display:inline-block;width:6px"> </div>under the<div style="display:inline-block;width:6px"> </div>contract at<div style="display:inline-block;width:6px"> </div>the balance </div><div id="a19649" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">sheet date, which is typically cash<div style="display:inline-block;width:5px"> </div>surrender value. Changes in cash<div style="display:inline-block;width:5px"> </div>surrender value are recorded<div style="display:inline-block;width:5px"> </div>in non-interest income. </div><div id="a19654" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">At December 31, 2022, the Company maintained BOLI policies with<div style="display:inline-block;width:2px"> </div>five insurance carriers with a combined cash surrender </div><div id="a19670" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>$</div><div id="a19670_10_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:68px;top:77px;">42.8</div><div id="a19670_14_102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:94px;top:77px;"><div style="display:inline-block;width:4px"> </div>million.<div style="display:inline-block;width:7px"> </div>These<div style="display:inline-block;width:7px"> </div>policies<div style="display:inline-block;width:7px"> </div>cover<div style="display:inline-block;width:7px"> </div>certain<div style="display:inline-block;width:7px"> </div>present<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>former<div style="display:inline-block;width:7px"> </div>executives<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:7px"> </div>officers,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:7px"> </div>is<div style="display:inline-block;width:7px"> </div>the </div><div id="a19682" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">beneficiary of these policies.</div></div></div><div id="div_446_XBRL_TS_4f7985127a324967bc2b9a62d5b39bce" style="position:absolute;left:0px;top:828px;float:left;"><div id="TextBlockContainer447" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19685" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Employee 401(k) Plan </div><div id="a19689" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>has<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:7px"> </div>employee<div style="display:inline-block;width:7px"> </div>401(k)<div style="display:inline-block;width:7px"> </div>plan<div style="display:inline-block;width:6px"> </div>covering<div style="display:inline-block;width:7px"> </div>substantially<div style="display:inline-block;width:7px"> </div>all<div style="display:inline-block;width:6px"> </div>eligible<div style="display:inline-block;width:7px"> </div>employees.<div style="display:inline-block;width:7px"> </div>Employee<div style="display:inline-block;width:7px"> </div>401(k)<div style="display:inline-block;width:7px"> </div>plan </div><div id="a19691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">expense is the amount of matching contributions.</div></div></div></div><div id="TextBlockContainer462" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_450_XBRL_TS_c77856642adf47b88bbc3c644b900df5" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer451" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:262px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19714" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Income Taxes </div><div id="a19717" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Income taxes are accounted for under the<div style="display:inline-block;width:5px"> </div>asset and liability method. Deferred tax<div style="display:inline-block;width:5px"> </div>assets and liabilities are recognized </div><div id="a19719" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">for<div style="display:inline-block;width:5px"> </div>the future<div style="display:inline-block;width:6px"> </div>tax consequences<div style="display:inline-block;width:7px"> </div>attributable<div style="display:inline-block;width:5px"> </div>to differences<div style="display:inline-block;width:7px"> </div>between the<div style="display:inline-block;width:6px"> </div>financial<div style="display:inline-block;width:5px"> </div>statement<div style="display:inline-block;width:5px"> </div>carrying<div style="display:inline-block;width:5px"> </div>amounts<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>existing </div><div id="a19720" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">assets and<div style="display:inline-block;width:6px"> </div>liabilities and<div style="display:inline-block;width:6px"> </div>their respective<div style="display:inline-block;width:6px"> </div>tax bases<div style="display:inline-block;width:6px"> </div>and operating<div style="display:inline-block;width:6px"> </div>loss and<div style="display:inline-block;width:6px"> </div>tax credit<div style="display:inline-block;width:6px"> </div>carryforwards. Deferred<div style="display:inline-block;width:6px"> </div>tax assets </div><div id="a19723" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">and<div style="display:inline-block;width:6px"> </div>liabilities<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>measured<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:6px"> </div>enacted<div style="display:inline-block;width:6px"> </div>tax<div style="display:inline-block;width:6px"> </div>rates<div style="display:inline-block;width:6px"> </div>expected<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>apply<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>taxable<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>years<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>which<div style="display:inline-block;width:6px"> </div>those </div><div id="a19724" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">temporary differences are expected to be recovered<div style="display:inline-block;width:5px"> </div>or settled. The effect on deferred tax assets and<div style="display:inline-block;width:5px"> </div>liabilities of a change </div><div id="a19726" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">in tax rates is recognized in income in the period that includes<div style="display:inline-block;width:5px"> </div>the enactment date.<div style="display:inline-block;width:4px"> </div></div><div id="a19729" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">Management is required to<div style="display:inline-block;width:5px"> </div>assess whether a valuation<div style="display:inline-block;width:5px"> </div>allowance should be established<div style="display:inline-block;width:5px"> </div>on the net deferred tax<div style="display:inline-block;width:5px"> </div>asset </div><div id="a19731" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">based on the<div style="display:inline-block;width:5px"> </div>consideration of<div style="display:inline-block;width:5px"> </div>all available evidence<div style="display:inline-block;width:5px"> </div>using a more<div style="display:inline-block;width:5px"> </div>likely than not<div style="display:inline-block;width:5px"> </div>standard. In its<div style="display:inline-block;width:5px"> </div>evaluation, Management </div><div id="a19732" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">considers taxable loss<div style="display:inline-block;width:2px"> </div>carry-back availability, expectation of sufficient taxable<div style="display:inline-block;width:2px"> </div>income, trends in<div style="display:inline-block;width:2px"> </div>earnings, the future<div style="display:inline-block;width:2px"> </div>reversal </div><div id="a19736" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">of temporary differences, and available tax planning<div style="display:inline-block;width:5px"> </div>strategies.<div style="display:inline-block;width:4px"> </div></div><div id="a19739" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">The Company recognizes positions taken<div style="display:inline-block;width:2px"> </div>or expected to be<div style="display:inline-block;width:2px"> </div>taken in a tax<div style="display:inline-block;width:2px"> </div>return in accordance with existing accounting </div><div id="a19743" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">guidance on<div style="display:inline-block;width:5px"> </div>income taxes<div style="display:inline-block;width:5px"> </div>which prescribes<div style="display:inline-block;width:5px"> </div>a recognition threshold<div style="display:inline-block;width:6px"> </div>and measurement<div style="display:inline-block;width:5px"> </div>process. Interest<div style="display:inline-block;width:5px"> </div>and penalties on </div><div id="a19745" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">tax liabilities, if any,<div style="display:inline-block;width:5px"> </div>would be recorded in interest expense and other operating<div style="display:inline-block;width:5px"> </div>noninterest expense, respectively.</div></div></div><div id="div_452_XBRL_TS_3cc4a2aba81341969ad1651dd4f9dc87" style="position:absolute;left:0px;top:276px;float:left;"><div id="TextBlockContainer453" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19748" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Impairment of Long-Lived Assets </div><div id="a19753" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company's long-lived<div style="display:inline-block;width:5px"> </div>assets, such as premises<div style="display:inline-block;width:6px"> </div>and equipment, are reviewed<div style="display:inline-block;width:5px"> </div>for impairment whenever<div style="display:inline-block;width:5px"> </div>events or </div><div id="a19759" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">changes in circumstances<div style="display:inline-block;width:6px"> </div>indicate that<div style="display:inline-block;width:5px"> </div>the carrying<div style="display:inline-block;width:5px"> </div>amount of<div style="display:inline-block;width:5px"> </div>an asset may<div style="display:inline-block;width:6px"> </div>not be recoverable.<div style="display:inline-block;width:6px"> </div>Recoverability of<div style="display:inline-block;width:5px"> </div>assets </div><div id="a19760" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">to be held and<div style="display:inline-block;width:2px"> </div>used is measured by a<div style="display:inline-block;width:2px"> </div>comparison of the carrying amount of<div style="display:inline-block;width:2px"> </div>an asset to estimated undiscounted future<div style="display:inline-block;width:2px"> </div>cash </div><div id="a19763" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an </div><div id="a19764" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">impairment charge<div style="display:inline-block;width:6px"> </div>is recognized<div style="display:inline-block;width:6px"> </div>by the<div style="display:inline-block;width:6px"> </div>amount by<div style="display:inline-block;width:6px"> </div>which the<div style="display:inline-block;width:6px"> </div>carrying amount<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:6px"> </div>asset exceeds<div style="display:inline-block;width:6px"> </div>the fair<div style="display:inline-block;width:6px"> </div>value of<div style="display:inline-block;width:6px"> </div>the </div><div id="a19767" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">asset. Assets<div style="display:inline-block;width:6px"> </div>to be<div style="display:inline-block;width:6px"> </div>disposed of<div style="display:inline-block;width:6px"> </div>would be<div style="display:inline-block;width:6px"> </div>separately<div style="display:inline-block;width:5px"> </div>presented in<div style="display:inline-block;width:6px"> </div>the Consolidated<div style="display:inline-block;width:6px"> </div>Balance Sheets<div style="display:inline-block;width:6px"> </div>and reported<div style="display:inline-block;width:6px"> </div>at the </div><div id="a19768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">lower of<div style="display:inline-block;width:6px"> </div>the carrying<div style="display:inline-block;width:5px"> </div>amount or<div style="display:inline-block;width:5px"> </div>fair value<div style="display:inline-block;width:6px"> </div>less costs<div style="display:inline-block;width:6px"> </div>to sell<div style="display:inline-block;width:5px"> </div>and are<div style="display:inline-block;width:6px"> </div>no longer<div style="display:inline-block;width:5px"> </div>depreciated. The<div style="display:inline-block;width:6px"> </div>assets and<div style="display:inline-block;width:6px"> </div>liabilities of<div style="display:inline-block;width:6px"> </div>a </div><div id="a19770" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">disposal group classified as held for<div style="display:inline-block;width:2px"> </div>sale would be presented separately in<div style="display:inline-block;width:2px"> </div>the appropriate asset and liability sections of<div style="display:inline-block;width:2px"> </div>the </div><div id="a19772" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">Consolidated Balance Sheets.</div></div></div><div id="a19772_28_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:184px;top:430px;"><div style="display:inline-block;width:4px"> </div></div><div id="div_454_XBRL_TS_395a4f575a454baa857ef128a77c6b99" style="position:absolute;left:0px;top:460px;float:left;"><div id="TextBlockContainer455" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:124px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Transfer of Financial<div style="display:inline-block;width:5px"> </div>Assets </div><div id="a19783" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Transfers<div style="display:inline-block;width:5px"> </div>of financial assets<div style="display:inline-block;width:5px"> </div>are accounted for<div style="display:inline-block;width:5px"> </div>as sales,<div style="display:inline-block;width:5px"> </div>when control over<div style="display:inline-block;width:5px"> </div>the assets<div style="display:inline-block;width:5px"> </div>has been surrendered.<div style="display:inline-block;width:6px"> </div>Control </div><div id="a19784" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">over<div style="display:inline-block;width:6px"> </div>transferred<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>surrendered<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:5px"> </div>(i)<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:5px"> </div>isolated<div style="display:inline-block;width:6px"> </div>from<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>-<div style="display:inline-block;width:5px"> </div>put </div><div id="a19790" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">presumptively<div style="display:inline-block;width:7px"> </div>beyond<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>reach<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>transferor<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:7px"> </div>creditors,<div style="display:inline-block;width:7px"> </div>even<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:6px"> </div>bankruptcy<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:6px"> </div>other<div style="display:inline-block;width:7px"> </div>receivership,<div style="display:inline-block;width:7px"> </div>(ii)<div style="display:inline-block;width:7px"> </div>the </div><div id="a19792" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">transferee obtains<div style="display:inline-block;width:5px"> </div>the right<div style="display:inline-block;width:5px"> </div>(free of<div style="display:inline-block;width:5px"> </div>conditions that<div style="display:inline-block;width:5px"> </div>constrain it<div style="display:inline-block;width:5px"> </div>from taking<div style="display:inline-block;width:5px"> </div>advantage of<div style="display:inline-block;width:5px"> </div>that right)<div style="display:inline-block;width:5px"> </div>to pledge<div style="display:inline-block;width:5px"> </div>or exchange </div><div id="a19794" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">the transferred<div style="display:inline-block;width:6px"> </div>assets,<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>(iii) the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:5px"> </div>does not<div style="display:inline-block;width:6px"> </div>maintain<div style="display:inline-block;width:5px"> </div>effective<div style="display:inline-block;width:5px"> </div>control<div style="display:inline-block;width:5px"> </div>over the<div style="display:inline-block;width:6px"> </div>transferred<div style="display:inline-block;width:5px"> </div>assets<div style="display:inline-block;width:5px"> </div>through<div style="display:inline-block;width:5px"> </div>an </div><div id="a19799" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">agreement to repurchase them before their maturity or<div style="display:inline-block;width:5px"> </div>the ability to unilaterally cause the holder to return specific<div style="display:inline-block;width:5px"> </div>assets.</div></div></div><div id="div_456_XBRL_TS_73fb82d4429040c2b906bca84d0c7573" style="position:absolute;left:0px;top:598px;float:left;"><div id="TextBlockContainer457" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:139px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19802" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Comprehensive Income (Loss) </div><div id="a19805" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Under<div style="display:inline-block;width:6px"> </div>GAAP,<div style="display:inline-block;width:8px"> </div>certain<div style="display:inline-block;width:6px"> </div>changes<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>liabilities,<div style="display:inline-block;width:6px"> </div>such<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>unrealized<div style="display:inline-block;width:6px"> </div>holding<div style="display:inline-block;width:6px"> </div>gains<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>securities </div><div id="a19807" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">available-for-sale, are<div style="display:inline-block;width:6px"> </div>excluded from<div style="display:inline-block;width:6px"> </div>current period<div style="display:inline-block;width:5px"> </div>earnings and<div style="display:inline-block;width:5px"> </div>reported as<div style="display:inline-block;width:6px"> </div>a separate<div style="display:inline-block;width:5px"> </div>component of<div style="display:inline-block;width:6px"> </div>the stockholders’ </div><div id="a19812" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">equity<div style="display:inline-block;width:7px"> </div>section<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:7px"> </div>Consolidated<div style="display:inline-block;width:8px"> </div>Balance<div style="display:inline-block;width:8px"> </div>Sheets,<div style="display:inline-block;width:8px"> </div>such<div style="display:inline-block;width:8px"> </div>items,<div style="display:inline-block;width:8px"> </div>along<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:8px"> </div>net<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:8px"> </div>(loss),<div style="display:inline-block;width:8px"> </div>are<div style="display:inline-block;width:8px"> </div>components<div style="display:inline-block;width:8px"> </div>of </div><div id="a19822" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">comprehensive<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:7px"> </div>(loss).<div style="display:inline-block;width:7px"> </div>Additionally,<div style="display:inline-block;width:7px"> </div>any<div style="display:inline-block;width:6px"> </div>unrealized<div style="display:inline-block;width:7px"> </div>gains<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>transfers<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:6px"> </div>investment<div style="display:inline-block;width:7px"> </div>securities<div style="display:inline-block;width:6px"> </div>from </div><div id="a19823" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">available-for-sale to held-to-maturity are recorded to accumulated other comprehensive<div style="display:inline-block;width:5px"> </div>income on the date of transfer and </div><div id="a19833" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">amortized over the remaining life<div style="display:inline-block;width:5px"> </div>of each security.<div style="display:inline-block;width:5px"> </div>The amortization of the unrealized<div style="display:inline-block;width:5px"> </div>gain or loss on transferred securities </div><div id="a19835" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">is reported as a component of comprehensive income<div style="display:inline-block;width:5px"> </div>(loss). See Note 2 “Investment Securities” for further<div style="display:inline-block;width:5px"> </div>discussion.</div></div></div><div id="div_458_XBRL_TS_a5da643ce19341f9b61a7b6c103acd70" style="position:absolute;left:0px;top:751px;float:left;"><div id="TextBlockContainer459" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:294px;height:48px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19839" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Advertising Costs </div><div id="a19842" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Advertising costs are expensed as incurred.</div></div></div><div id="div_460_XBRL_TS_3c0f170c81da486a87f5e5bd333a1e39" style="position:absolute;left:0px;top:813px;float:left;"><div id="TextBlockContainer461" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19847" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Earnings per Common Share </div><div id="a19850" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Basic earnings<div style="display:inline-block;width:6px"> </div>per common<div style="display:inline-block;width:6px"> </div>share is<div style="display:inline-block;width:5px"> </div>net income<div style="display:inline-block;width:6px"> </div>available to<div style="display:inline-block;width:5px"> </div>common stockholders<div style="display:inline-block;width:6px"> </div>divided by<div style="display:inline-block;width:5px"> </div>the weighted<div style="display:inline-block;width:6px"> </div>average </div><div id="a19851" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">number<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>during<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>period.<div style="display:inline-block;width:6px"> </div>Diluted<div style="display:inline-block;width:6px"> </div>earnings<div style="display:inline-block;width:6px"> </div>per<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:7px"> </div>share<div style="display:inline-block;width:6px"> </div>included<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>effect<div style="display:inline-block;width:7px"> </div>of </div><div id="a19854" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">additional potential common shares issuable under vested stock options. Basic and diluted earnings per share are updated </div></div></div></div><div id="TextBlockContainer480" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:875px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_464_XBRL_TS_3c0f170c81da486a87f5e5bd333a1e39_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer465" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19875" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">to reflect the effect of stock splits as occurred. See Note 14 “Earnings Per Share” for additional information on earnings per </div><div id="a19881" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">common share. See Note 13 “Stockholders’ Equity” for further<div style="display:inline-block;width:5px"> </div>discussion on stock splits.</div></div></div><div id="div_466_XBRL_TS_7ee1544d1c8d4e37b1fa3e9941241456" style="position:absolute;left:0px;top:46px;float:left;"><div id="TextBlockContainer467" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:671px;height:47px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19887" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Interest Income </div><div id="a19890" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Interest income is recognized as earned, based upon the<div style="display:inline-block;width:5px"> </div>principal amount outstanding, on an accrual basis.</div></div></div><div id="div_468_XBRL_TS_358fe92f4c96473495dcbfc76de0220e" style="position:absolute;left:0px;top:107px;float:left;"><div id="TextBlockContainer469" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19895" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Operating Segments </div><div id="a19898" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">While the Company monitors<div style="display:inline-block;width:6px"> </div>the revenue streams<div style="display:inline-block;width:5px"> </div>of the various products<div style="display:inline-block;width:5px"> </div>and services, operations<div style="display:inline-block;width:5px"> </div>are managed and </div><div id="a19902" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">financial performance<div style="display:inline-block;width:5px"> </div>is evaluated on<div style="display:inline-block;width:5px"> </div>a Company wide<div style="display:inline-block;width:6px"> </div>basis. Operating results<div style="display:inline-block;width:6px"> </div>of the individual<div style="display:inline-block;width:5px"> </div>products are<div style="display:inline-block;width:5px"> </div>not used to </div><div id="a19906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">make resource allocations or performance decisions by Company<div style="display:inline-block;width:5px"> </div>management.</div></div></div><div id="div_470_XBRL_TS_a57ac7f0616a441dbfb52d6caa47203f" style="position:absolute;left:0px;top:199px;float:left;"><div id="TextBlockContainer471" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19912" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Stock-Based Compensation </div><div id="a19917" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Stock based compensation accounting guidance requires<div style="display:inline-block;width:5px"> </div>that the compensation cost relating to share-based payment </div><div id="a19921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">transactions be recognized in the accompanying Consolidated<div style="display:inline-block;width:5px"> </div>Financial Statements. That cost will be measured<div style="display:inline-block;width:5px"> </div>based on </div><div id="a19928" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">the grant<div style="display:inline-block;width:5px"> </div>date fair<div style="display:inline-block;width:5px"> </div>value of<div style="display:inline-block;width:5px"> </div>the equity<div style="display:inline-block;width:5px"> </div>or liability<div style="display:inline-block;width:5px"> </div>instruments issued.<div style="display:inline-block;width:6px"> </div>The stock-based<div style="display:inline-block;width:5px"> </div>compensation accounting<div style="display:inline-block;width:6px"> </div>guidance </div><div id="a19932" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">covers<div style="display:inline-block;width:8px"> </div>a<div style="display:inline-block;width:8px"> </div>wide<div style="display:inline-block;width:8px"> </div>range<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>share-based<div style="display:inline-block;width:8px"> </div>compensation<div style="display:inline-block;width:9px"> </div>arrangements<div style="display:inline-block;width:9px"> </div>including<div style="display:inline-block;width:8px"> </div>stock<div style="display:inline-block;width:9px"> </div>options,<div style="display:inline-block;width:8px"> </div>restricted<div style="display:inline-block;width:9px"> </div>share<div style="display:inline-block;width:8px"> </div>plans, </div><div id="a19935" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">performance-based awards, share appreciation rights, and<div style="display:inline-block;width:5px"> </div>employee share purchase plans. </div><div id="a19940" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">The stock-based compensation accounting guidance<div style="display:inline-block;width:2px"> </div>requires that compensation cost<div style="display:inline-block;width:2px"> </div>for all stock awards<div style="display:inline-block;width:2px"> </div>be calculated </div><div id="a19944" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">and recognized<div style="display:inline-block;width:2px"> </div>over the<div style="display:inline-block;width:2px"> </div>employees' service period,<div style="display:inline-block;width:2px"> </div>generally defined as<div style="display:inline-block;width:2px"> </div>the vesting<div style="display:inline-block;width:2px"> </div>period. For<div style="display:inline-block;width:2px"> </div>awards with graded-vesting, </div><div id="a19947" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">compensation cost<div style="display:inline-block;width:6px"> </div>is recognized<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>a straight-line<div style="display:inline-block;width:6px"> </div>basis over<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>requisite service<div style="display:inline-block;width:6px"> </div>period for<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>entire award.<div style="display:inline-block;width:6px"> </div>A Black-</div><div id="a19952" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Scholes model is used to estimate the fair value of stock<div style="display:inline-block;width:5px"> </div>options.</div></div></div><div id="div_472_XBRL_TS_bad2c352c661420d98872166154f6348" style="position:absolute;left:0px;top:399px;float:left;"><div id="TextBlockContainer473" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19955" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Loss Contingencies</div><div id="a19958" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Loss<div style="display:inline-block;width:6px"> </div>contingencies,<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>claims<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>legal<div style="display:inline-block;width:6px"> </div>actions<div style="display:inline-block;width:6px"> </div>arising<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>normal<div style="display:inline-block;width:6px"> </div>course<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>business,<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>recorded<div style="display:inline-block;width:6px"> </div>as </div><div id="a19965" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">liabilities when the<div style="display:inline-block;width:2px"> </div>likelihood of loss is<div style="display:inline-block;width:2px"> </div>probable, and an<div style="display:inline-block;width:2px"> </div>amount or range of<div style="display:inline-block;width:2px"> </div>loss can be<div style="display:inline-block;width:2px"> </div>reasonably estimated. In the<div style="display:inline-block;width:2px"> </div>opinion </div><div id="a19970" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">of management, none of these actions, either individually or in the aggregate, is expected to have a material adverse effect </div><div id="a19972" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">on the Company’s Consolidated Financial Statements.<div style="display:inline-block;width:5px"> </div>See Note 18 “Loss Contingencies” for further details.</div></div></div><div id="div_474_XBRL_TS_5d40e816b1b042a59cdc9a161fe12a5f" style="position:absolute;left:0px;top:506px;float:left;"><div id="TextBlockContainer475" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19983" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Dividend Restrictions </div><div id="a19986" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Banking<div style="display:inline-block;width:6px"> </div>regulations<div style="display:inline-block;width:6px"> </div>require<div style="display:inline-block;width:6px"> </div>maintaining<div style="display:inline-block;width:6px"> </div>certain<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:6px"> </div>levels<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>limit<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>dividends<div style="display:inline-block;width:6px"> </div>paid<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Bank<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the </div><div id="a19987" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Company or by the Company to the shareholders.</div></div></div><div id="div_476_XBRL_TS_41a489949967465c8dc29aed2c8dcb36" style="position:absolute;left:0px;top:583px;float:left;"><div id="TextBlockContainer477" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Fair Value Measurements </div><div id="a19998" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Fair values<div style="display:inline-block;width:5px"> </div>of financial<div style="display:inline-block;width:5px"> </div>instruments are<div style="display:inline-block;width:6px"> </div>estimated using<div style="display:inline-block;width:5px"> </div>relevant market<div style="display:inline-block;width:6px"> </div>information and<div style="display:inline-block;width:5px"> </div>other assumptions,<div style="display:inline-block;width:6px"> </div>as more </div><div id="a20000" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">fully disclosed in Note<div style="display:inline-block;width:5px"> </div>12 “Fair Value<div style="display:inline-block;width:6px"> </div>Measurements”. Fair value estimates<div style="display:inline-block;width:6px"> </div>involve uncertainties and matters<div style="display:inline-block;width:6px"> </div>of significant </div><div id="a20003" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">judgment. Changes in assumptions or in market conditions<div style="display:inline-block;width:5px"> </div>could significantly affect the estimates.</div></div></div><div id="div_478_XBRL_TS_32bd9b5ba607459a9ec2892e7c671f2e" style="position:absolute;left:0px;top:675px;float:left;"><div id="TextBlockContainer479" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:185px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Derivative Instruments </div><div id="a20009" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Derivative financial instruments<div style="display:inline-block;width:2px"> </div>are carried at<div style="display:inline-block;width:2px"> </div>fair value and<div style="display:inline-block;width:2px"> </div>reflect the estimated<div style="display:inline-block;width:2px"> </div>amount that would<div style="display:inline-block;width:2px"> </div>have been received </div><div id="a20013" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">to<div style="display:inline-block;width:6px"> </div>terminate<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>contracts<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>reporting<div style="display:inline-block;width:7px"> </div>date<div style="display:inline-block;width:6px"> </div>based<div style="display:inline-block;width:7px"> </div>upon<div style="display:inline-block;width:6px"> </div>pricing<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:6px"> </div>valuation<div style="display:inline-block;width:7px"> </div>models<div style="display:inline-block;width:7px"> </div>applied<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:7px"> </div>market </div><div id="a20016" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">information. </div><div id="a20019" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>enters<div style="display:inline-block;width:5px"> </div>into<div style="display:inline-block;width:5px"> </div>interest<div style="display:inline-block;width:5px"> </div>rate<div style="display:inline-block;width:5px"> </div>swaps<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>provide<div style="display:inline-block;width:5px"> </div>commercial<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>clients<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>ability<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>swap<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:5px"> </div>a variable </div><div id="a20024" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">interest rate<div style="display:inline-block;width:6px"> </div>to a<div style="display:inline-block;width:6px"> </div>fixed rate.<div style="display:inline-block;width:6px"> </div>The Company<div style="display:inline-block;width:6px"> </div>enter<div style="display:inline-block;width:5px"> </div>into a<div style="display:inline-block;width:6px"> </div>floating-rate<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>with a<div style="display:inline-block;width:6px"> </div>customer<div style="display:inline-block;width:5px"> </div>with a<div style="display:inline-block;width:6px"> </div>separately<div style="display:inline-block;width:5px"> </div>issued swap </div><div id="a20030" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">agreement allowing<div style="display:inline-block;width:6px"> </div>the customer<div style="display:inline-block;width:7px"> </div>to convert<div style="display:inline-block;width:6px"> </div>floating<div style="display:inline-block;width:5px"> </div>payments<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:6px"> </div>loan into<div style="display:inline-block;width:6px"> </div>a fixed<div style="display:inline-block;width:6px"> </div>interest rate.<div style="display:inline-block;width:6px"> </div>To<div style="display:inline-block;width:6px"> </div>mitigate risk,<div style="display:inline-block;width:6px"> </div>the </div><div id="a20032" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">Company will enter into a matching agreement with a<div style="display:inline-block;width:5px"> </div>third party to offset the exposure on the<div style="display:inline-block;width:5px"> </div>customer agreement. These </div><div id="a20035" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">swaps are<div style="display:inline-block;width:6px"> </div>not considered<div style="display:inline-block;width:6px"> </div>to be<div style="display:inline-block;width:6px"> </div>qualified hedging<div style="display:inline-block;width:6px"> </div>transactions and<div style="display:inline-block;width:6px"> </div>the unmatched<div style="display:inline-block;width:6px"> </div>unrealized gain<div style="display:inline-block;width:6px"> </div>or loss<div style="display:inline-block;width:6px"> </div>is recorded<div style="display:inline-block;width:6px"> </div>in </div><div id="a20037" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">other non-interest income.</div></div></div><div id="a20037_26_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:160px;top:843px;"><div style="display:inline-block;width:4px"> </div></div></div><div id="TextBlockContainer490" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:738px;height:906px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_482_XBRL_TS_2fb5bf7aca7242c18a29d891310b00c6" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer483" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:738px;height:139px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20062" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Revenue from Contracts with Customers </div><div id="a20065" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Revenue from contracts<div style="display:inline-block;width:2px"> </div>with customers is<div style="display:inline-block;width:2px"> </div>recognized in an<div style="display:inline-block;width:2px"> </div>amount that<div style="display:inline-block;width:2px"> </div>reflects the consideration<div style="display:inline-block;width:2px"> </div>the Company expects </div><div id="a20069" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">to receive for the<div style="display:inline-block;width:5px"> </div>services the Company<div style="display:inline-block;width:5px"> </div>provides to its<div style="display:inline-block;width:5px"> </div>customers. The main<div style="display:inline-block;width:5px"> </div>revenue earned by<div style="display:inline-block;width:5px"> </div>the Company from<div style="display:inline-block;width:5px"> </div>loans </div><div id="a20077" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">and investment<div style="display:inline-block;width:6px"> </div>securities are<div style="display:inline-block;width:6px"> </div>excluded from<div style="display:inline-block;width:6px"> </div>the accounting<div style="display:inline-block;width:6px"> </div>standard update<div style="display:inline-block;width:6px"> </div>“Revenue from<div style="display:inline-block;width:6px"> </div>Contracts with<div style="display:inline-block;width:5px"> </div>Customers”.<div style="display:inline-block;width:4px"> </div></div><div id="a20078" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">Deposit and<div style="display:inline-block;width:5px"> </div>service charge<div style="display:inline-block;width:5px"> </div>fees, consisting<div style="display:inline-block;width:5px"> </div>of primarily monthly<div style="display:inline-block;width:6px"> </div>maintenance fees,<div style="display:inline-block;width:6px"> </div>wire fees,<div style="display:inline-block;width:5px"> </div>ATM<div style="display:inline-block;width:5px"> </div>interchange fees<div style="display:inline-block;width:5px"> </div>and </div><div id="a20080" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">other transaction-based fees, are the<div style="display:inline-block;width:5px"> </div>most significant types of revenue<div style="display:inline-block;width:5px"> </div>within the accounting standard update.<div style="display:inline-block;width:5px"> </div>Revenue is </div><div id="a20083" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">recognized when the service provided by the<div style="display:inline-block;width:5px"> </div>Company is complete. The aggregate amount<div style="display:inline-block;width:5px"> </div>of revenue within the scope of </div><div id="a20088" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">this standard that is received from sources other than deposit<div style="display:inline-block;width:5px"> </div>service charges and fees is not material.</div></div></div><div id="a20088_104_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:608px;top:123px;"><div style="display:inline-block;width:8px"> </div></div><div id="div_484_XBRL_TS_fb5e780c4e0a439aa35908f451979b8d" style="position:absolute;left:0px;top:153px;float:left;"><div id="TextBlockContainer485" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:79px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20094" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Cash Flow Statement </div><div id="a20097" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company reports the net activity rather than gross activity in<div style="display:inline-block;width:5px"> </div>the Consolidated Statements<div style="display:inline-block;width:5px"> </div>of Cash Flows. The net </div><div id="a20102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">cash flows<div style="display:inline-block;width:2px"> </div>are reported for<div style="display:inline-block;width:2px"> </div>loans held<div style="display:inline-block;width:2px"> </div>for investment, accrued<div style="display:inline-block;width:2px"> </div>interest receivable, deferred<div style="display:inline-block;width:2px"> </div>tax asset, other<div style="display:inline-block;width:2px"> </div>assets, customer </div><div id="a20104" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">deposits, accrued interest payable, other liabilities, and proceeds<div style="display:inline-block;width:5px"> </div>from issuance of Class A common shares.</div></div></div><div id="div_486_XBRL_TS_f16585f8924d4cc6bf51085620df9687" style="position:absolute;left:0px;top:245px;float:left;"><div id="TextBlockContainer487" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20108" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Reclassifications </div><div id="a20111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Certain<div style="display:inline-block;width:9px"> </div>amounts<div style="display:inline-block;width:9px"> </div>in<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:9px"> </div>Consolidated<div style="display:inline-block;width:9px"> </div>Financial<div style="display:inline-block;width:9px"> </div>Statements<div style="display:inline-block;width:9px"> </div>have<div style="display:inline-block;width:8px"> </div>been<div style="display:inline-block;width:9px"> </div>reclassified<div style="display:inline-block;width:9px"> </div>to<div style="display:inline-block;width:8px"> </div>conform<div style="display:inline-block;width:9px"> </div>to<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:8px"> </div>current </div><div id="a20118" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">presentation. Reclassifications had no impact on the net income<div style="display:inline-block;width:5px"> </div>or stockholders’ equity of the Company.</div></div></div><div id="div_488_XBRL_TS_f24ecd84a69642aa972fec2edba195ce" style="position:absolute;left:0px;top:322px;float:left;"><div id="TextBlockContainer489" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:584px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20123" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Recently Issued Accounting Standards – Not Yet<div style="display:inline-block;width:6px"> </div>Adopted </div><div id="a20130" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">Measurement of Credit Losses on Financial Instruments </div><div id="a20133" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:62px;">In June<div style="display:inline-block;width:2px"> </div>2016, the FASB issued<div style="display:inline-block;width:2px"> </div>ASU 2016-13, Financial<div style="display:inline-block;width:2px"> </div>Instruments - Credit<div style="display:inline-block;width:2px"> </div>Losses (Topic 326); Measurement of<div style="display:inline-block;width:2px"> </div>Credit </div><div id="a20142" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”)<div style="display:inline-block;width:5px"> </div>on accounting for current expected </div><div id="a20147" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">credit<div style="display:inline-block;width:5px"> </div>losses<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:6px"> </div>instruments<div style="display:inline-block;width:6px"> </div>(“CECL”)<div style="display:inline-block;width:6px"> </div>will<div style="display:inline-block;width:5px"> </div>replace<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:6px"> </div>probable<div style="display:inline-block;width:6px"> </div>incurred<div style="display:inline-block;width:6px"> </div>loss<div style="display:inline-block;width:6px"> </div>impairment<div style="display:inline-block;width:6px"> </div>methodology </div><div id="a20149" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">under U.S. GAAP<div style="display:inline-block;width:5px"> </div>with a methodology that<div style="display:inline-block;width:5px"> </div>reflects the expected<div style="display:inline-block;width:5px"> </div>credit losses. The<div style="display:inline-block;width:5px"> </div>Update is intended<div style="display:inline-block;width:5px"> </div>to provide financial </div><div id="a20159" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">statement<div style="display:inline-block;width:6px"> </div>users<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:6px"> </div>more<div style="display:inline-block;width:6px"> </div>decision-useful<div style="display:inline-block;width:6px"> </div>information<div style="display:inline-block;width:6px"> </div>about<div style="display:inline-block;width:6px"> </div>expected<div style="display:inline-block;width:6px"> </div>credit<div style="display:inline-block;width:6px"> </div>losses.<div style="display:inline-block;width:6px"> </div>This<div style="display:inline-block;width:6px"> </div>Update<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>applicable<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the </div><div id="a20168" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">Company<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>a modified<div style="display:inline-block;width:6px"> </div>retrospective<div style="display:inline-block;width:5px"> </div>basis<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>interim<div style="display:inline-block;width:5px"> </div>and annual<div style="display:inline-block;width:6px"> </div>periods<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>fiscal<div style="display:inline-block;width:5px"> </div>years beginning<div style="display:inline-block;width:6px"> </div>after<div style="display:inline-block;width:5px"> </div>December 15, </div><div id="a20175" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">2022. The Company adopted this<div style="display:inline-block;width:2px"> </div>ASU on January 1, 2023. To date, the Company executed a<div style="display:inline-block;width:2px"> </div>detailed implementation plan </div><div id="a20189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">through the adoption date, implemented a<div style="display:inline-block;width:2px"> </div>software solution to assist with the<div style="display:inline-block;width:2px"> </div>CECL estimation process, and has completed </div><div id="a20193" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">parallel run models, and finished a data gap analysis. </div><div id="a20198" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">The company expects its allowance for credit losses to<div style="display:inline-block;width:2px"> </div>increase in 2023 approximately $</div><div id="a20198_87_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:215px;">1.0</div><div id="a20198_90_13" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:565px;top:215px;"><div style="display:inline-block;width:3px"> </div>million to $</div><div id="a20198_103_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:215px;">2.0</div><div id="a20198_106_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:651px;top:215px;"><div style="display:inline-block;width:3px"> </div>million upon </div><div id="a20212" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">adoption<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>ASU<div style="display:inline-block;width:7px"> </div>2016-13<div style="display:inline-block;width:7px"> </div>compared<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>its<div style="display:inline-block;width:7px"> </div>allowance<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:7px"> </div>losses<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:7px"> </div>December<div style="display:inline-block;width:7px"> </div>31,<div style="display:inline-block;width:7px"> </div>2022.<div style="display:inline-block;width:7px"> </div>Reserve<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>unfunded </div><div id="a20221" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">commitments will<div style="display:inline-block;width:6px"> </div>also increase<div style="display:inline-block;width:6px"> </div>approximately $</div><div id="a20221_46_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:290px;top:246px;">200</div><div id="a20221_49_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:246px;"><div style="display:inline-block;width:4px"> </div>thousand to<div style="display:inline-block;width:5px"> </div>$</div><div id="a20221_63_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:399px;top:246px;">600</div><div id="a20221_66_54" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:246px;"><div style="display:inline-block;width:5px"> </div>thousand and<div style="display:inline-block;width:5px"> </div>it will<div style="display:inline-block;width:5px"> </div>be recognized<div style="display:inline-block;width:6px"> </div>as a<div style="display:inline-block;width:5px"> </div>liability on </div><div id="a20233" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">the<div style="display:inline-block;width:6px"> </div>Consolidated<div style="display:inline-block;width:7px"> </div>Balance<div style="display:inline-block;width:7px"> </div>Sheet.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>reviewed<div style="display:inline-block;width:7px"> </div>it’s<div style="display:inline-block;width:7px"> </div>held-to-maturity<div style="display:inline-block;width:7px"> </div>debt<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:7px"> </div>allowance<div style="display:inline-block;width:7px"> </div>was </div><div id="a20245" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">deemed immaterial. The Company will<div style="display:inline-block;width:2px"> </div>initially apply the impact of<div style="display:inline-block;width:2px"> </div>the new guidance through<div style="display:inline-block;width:2px"> </div>a cumulative-effect adjustment </div><div id="a20251" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">to retained<div style="display:inline-block;width:7px"> </div>earnings<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>January<div style="display:inline-block;width:5px"> </div>1,<div style="display:inline-block;width:5px"> </div>2023. Future<div style="display:inline-block;width:7px"> </div>adjustments<div style="display:inline-block;width:5px"> </div>to credit<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:5px"> </div>expectations<div style="display:inline-block;width:5px"> </div>will be<div style="display:inline-block;width:6px"> </div>recorded<div style="display:inline-block;width:5px"> </div>through<div style="display:inline-block;width:5px"> </div>the </div><div id="a20254" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">income statement as charges or credits to earnings. </div><div id="a20257" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">The disclosed estimates are subject to further refinement upon finalization of the Company’s review of the calculations, </div><div id="a20259" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">assumptions, methodologies and judgments. Internal controls over financial reporting relating<div style="display:inline-block;width:2px"> </div>to these new processes have </div><div id="a20260" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">been designed<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>implemented<div style="display:inline-block;width:5px"> </div>and are<div style="display:inline-block;width:6px"> </div>being evaluated.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>is<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the final<div style="display:inline-block;width:6px"> </div>stages<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>completing<div style="display:inline-block;width:5px"> </div>the formal </div><div id="a20263" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:384px;">governance<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>approval<div style="display:inline-block;width:5px"> </div>process.<div style="display:inline-block;width:5px"> </div>The<div style="display:inline-block;width:5px"> </div>ongoing<div style="display:inline-block;width:5px"> </div>impact<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company’s<div style="display:inline-block;width:6px"> </div>results<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>operations<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>future<div style="display:inline-block;width:5px"> </div>periods<div style="display:inline-block;width:5px"> </div>will<div style="display:inline-block;width:5px"> </div>be </div><div id="a20264" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:399px;">influenced<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>portfolio<div style="display:inline-block;width:6px"> </div>composition<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>macroeconomic<div style="display:inline-block;width:7px"> </div>conditions<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>forecasts<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:6px"> </div>each<div style="display:inline-block;width:6px"> </div>reporting<div style="display:inline-block;width:6px"> </div>date. </div><div id="a20267" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">Adoption of<div style="display:inline-block;width:6px"> </div>the standard<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:5px"> </div>first quarter<div style="display:inline-block;width:6px"> </div>of 2023<div style="display:inline-block;width:6px"> </div>is expected<div style="display:inline-block;width:6px"> </div>to result<div style="display:inline-block;width:6px"> </div>in higher<div style="display:inline-block;width:6px"> </div>volatility in<div style="display:inline-block;width:6px"> </div>the quarterly<div style="display:inline-block;width:6px"> </div>provision for </div><div id="a20270" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:430px;">credit losses when compared to the Company’s<div style="display:inline-block;width:5px"> </div>historical results under the incurred loss model. </div><div id="a20273" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">Troubled Debt Restructurings and<div style="display:inline-block;width:5px"> </div>Vintage Disclosures </div><div id="a20277" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:491px;">In<div style="display:inline-block;width:5px"> </div>March<div style="display:inline-block;width:6px"> </div>2022,<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>FASB<div style="display:inline-block;width:6px"> </div>issued<div style="display:inline-block;width:5px"> </div>ASU<div style="display:inline-block;width:5px"> </div>2022-02,<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:6px"> </div>Instruments<div style="display:inline-block;width:6px"> </div>–<div style="display:inline-block;width:5px"> </div>Credit<div style="display:inline-block;width:6px"> </div>Losses<div style="display:inline-block;width:5px"> </div>(Topic<div style="display:inline-block;width:7px"> </div>326):<div style="display:inline-block;width:5px"> </div>Troubled<div style="display:inline-block;width:6px"> </div>Debt </div><div id="a20285" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">Restructurings<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>Vintage<div style="display:inline-block;width:5px"> </div>Disclosures.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>accounting<div style="display:inline-block;width:5px"> </div>standard<div style="display:inline-block;width:5px"> </div>eliminates<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>accounting<div style="display:inline-block;width:5px"> </div>guidance<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>troubled<div style="display:inline-block;width:5px"> </div>debt </div><div id="a20292" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:522px;">restructurings<div style="display:inline-block;width:7px"> </div>by<div style="display:inline-block;width:7px"> </div>creditors<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:7px"> </div>ASC<div style="display:inline-block;width:7px"> </div>310-40,<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:7px"> </div>it<div style="display:inline-block;width:6px"> </div>enhances<div style="display:inline-block;width:7px"> </div>disclosure<div style="display:inline-block;width:7px"> </div>requirements<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>some<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:6px"> </div>refinancings<div style="display:inline-block;width:7px"> </div>and </div><div id="a20303" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:537px;">restructurings<div style="display:inline-block;width:7px"> </div>involving<div style="display:inline-block;width:7px"> </div>borrowers<div style="display:inline-block;width:7px"> </div>experiencing<div style="display:inline-block;width:7px"> </div>financial<div style="display:inline-block;width:7px"> </div>difficulty.<div style="display:inline-block;width:8px"> </div>Specifically,<div style="display:inline-block;width:8px"> </div>rather<div style="display:inline-block;width:7px"> </div>than<div style="display:inline-block;width:7px"> </div>applying<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>troubled<div style="display:inline-block;width:7px"> </div>debt </div><div id="a20307" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:552px;">restructuring recognition and measurement guidance,<div style="display:inline-block;width:2px"> </div>creditors will evaluate all<div style="display:inline-block;width:2px"> </div>loan modifications to determine if<div style="display:inline-block;width:2px"> </div>they result </div><div id="a20309" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:568px;">in<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:7px"> </div>new<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>continuation<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>existing<div style="display:inline-block;width:7px"> </div>loan.<div style="display:inline-block;width:7px"> </div>Losses<div style="display:inline-block;width:7px"> </div>associated<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:7px"> </div>troubled<div style="display:inline-block;width:7px"> </div>debt<div style="display:inline-block;width:7px"> </div>restructurings<div style="display:inline-block;width:7px"> </div>should<div style="display:inline-block;width:7px"> </div>be </div></div></div></div><div id="TextBlockContainer494" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_492_XBRL_TS_f24ecd84a69642aa972fec2edba195ce_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer493" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20330" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">incorporated in a<div style="display:inline-block;width:5px"> </div>creditor’s estimate of<div style="display:inline-block;width:5px"> </div>its allowance for<div style="display:inline-block;width:5px"> </div>credit losses. Additionally,<div style="display:inline-block;width:6px"> </div>public business entities<div style="display:inline-block;width:5px"> </div>are required to </div><div id="a20332" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">disclose current-period gross write-offs<div style="display:inline-block;width:5px"> </div>by year of origination for loan financing receivables and net investment<div style="display:inline-block;width:5px"> </div>in leases. </div><div id="a20339" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Reference Rate Reform </div><div id="a20343" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">In<div style="display:inline-block;width:6px"> </div>March<div style="display:inline-block;width:6px"> </div>2020,<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>FASB<div style="display:inline-block;width:7px"> </div>issued<div style="display:inline-block;width:6px"> </div>ASU<div style="display:inline-block;width:6px"> </div>2020-04,<div style="display:inline-block;width:6px"> </div>Reference<div style="display:inline-block;width:6px"> </div>Rate<div style="display:inline-block;width:6px"> </div>Reform<div style="display:inline-block;width:6px"> </div>(Topic<div style="display:inline-block;width:7px"> </div>848),<div style="display:inline-block;width:6px"> </div>Facilitation<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Effects<div style="display:inline-block;width:6px"> </div>of </div><div id="a20346" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">Reference Rate Reform<div style="display:inline-block;width:6px"> </div>on Financial Reporting.<div style="display:inline-block;width:5px"> </div>In January 2021,<div style="display:inline-block;width:5px"> </div>the FASB<div style="display:inline-block;width:5px"> </div>clarified the scope<div style="display:inline-block;width:6px"> </div>of this guidance<div style="display:inline-block;width:5px"> </div>with ASU </div><div id="a20347" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">2021-01 which provides<div style="display:inline-block;width:5px"> </div>optional guidance for<div style="display:inline-block;width:5px"> </div>a limited period of<div style="display:inline-block;width:5px"> </div>time to ease the<div style="display:inline-block;width:5px"> </div>burden in accounting for<div style="display:inline-block;width:5px"> </div>(or recognizing </div><div id="a20351" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">the effects<div style="display:inline-block;width:7px"> </div>of) reference<div style="display:inline-block;width:6px"> </div>rate reform<div style="display:inline-block;width:7px"> </div>on financial<div style="display:inline-block;width:6px"> </div>reporting.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>ASU is<div style="display:inline-block;width:6px"> </div>effective<div style="display:inline-block;width:6px"> </div>March 12,<div style="display:inline-block;width:5px"> </div>2020 through<div style="display:inline-block;width:6px"> </div>December 31, </div><div id="a20356" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">2024. The<div style="display:inline-block;width:6px"> </div>Company is<div style="display:inline-block;width:6px"> </div>evaluating the<div style="display:inline-block;width:6px"> </div>impact of<div style="display:inline-block;width:6px"> </div>this ASU<div style="display:inline-block;width:5px"> </div>and has<div style="display:inline-block;width:6px"> </div>not yet<div style="display:inline-block;width:6px"> </div>determined<div style="display:inline-block;width:5px"> </div>whether LIBOR<div style="display:inline-block;width:6px"> </div>transition and<div style="display:inline-block;width:6px"> </div>this </div><div id="a20363" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">ASU will have material effects on our business<div style="display:inline-block;width:5px"> </div>operations and consolidated financial statements.</div></div></div></div> 1.00 1.00 <div id="TextBlockContainer399" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18606" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Principles of Consolidation </div><div id="a18609" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Intercompany transactions<div style="display:inline-block;width:6px"> </div>and balances<div style="display:inline-block;width:5px"> </div>are eliminated<div style="display:inline-block;width:5px"> </div>in consolidation.<div style="display:inline-block;width:5px"> </div>The Consolidated<div style="display:inline-block;width:5px"> </div>financial statements<div style="display:inline-block;width:6px"> </div>have </div><div id="a18614" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">been prepared in accordance with U.S. Generally Accepted<div style="display:inline-block;width:5px"> </div>Accounting Principles ("GAAP").</div></div> <div id="TextBlockContainer401" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18618" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Initial Public Offering and Exchange and Redemption<div style="display:inline-block;width:5px"> </div>of Shares </div><div id="a18626" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">On July 27, 2021,<div style="display:inline-block;width:5px"> </div>the Company completed<div style="display:inline-block;width:5px"> </div>an initial public<div style="display:inline-block;width:5px"> </div>offering (the “IPO”)<div style="display:inline-block;width:6px"> </div>and its Class<div style="display:inline-block;width:5px"> </div>A voting common<div style="display:inline-block;width:5px"> </div>shares </div><div id="a18633" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">began trading<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:5px"> </div>Nasdaq Stock<div style="display:inline-block;width:6px"> </div>Market under<div style="display:inline-block;width:6px"> </div>ticker symbol<div style="display:inline-block;width:6px"> </div>“USCB”. Following<div style="display:inline-block;width:6px"> </div>the IPO,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>completed an </div><div id="a18634" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">exchange<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>then<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:7px"> </div>preferred<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>Class<div style="display:inline-block;width:6px"> </div>A<div style="display:inline-block;width:7px"> </div>common<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>thereafter<div style="display:inline-block;width:7px"> </div>redeemed<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>remaining </div><div id="a18635" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">outstanding preferred shares.<div style="display:inline-block;width:4px"> </div></div><div id="a18639" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:108px;">In December 2021,<div style="display:inline-block;width:2px"> </div>the Company reached<div style="display:inline-block;width:2px"> </div>agreements with the<div style="display:inline-block;width:2px"> </div>Class B common<div style="display:inline-block;width:2px"> </div>shareholders to receive<div style="display:inline-block;width:2px"> </div>Class A voting </div><div id="a18644" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>exchange<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>all<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>Class<div style="display:inline-block;width:6px"> </div>B<div style="display:inline-block;width:6px"> </div>non-voting<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>a </div><div id="a18644_82_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:540px;top:123px;-sec-ix-hidden:ID_225;">1 for 5</div><div id="a18644_89_23" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:582px;top:123px;"><div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>exchange.<div style="display:inline-block;width:6px"> </div>As<div style="display:inline-block;width:6px"> </div>of </div><div id="a18653" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">December 31,<div style="display:inline-block;width:6px"> </div>2022,<div style="display:inline-block;width:5px"> </div>there<div style="display:inline-block;width:5px"> </div>were<div style="display:inline-block;width:5px"> </div>no<div style="display:inline-block;width:5px"> </div>issued<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>preferred<div style="display:inline-block;width:5px"> </div>shares<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>Class<div style="display:inline-block;width:5px"> </div>B<div style="display:inline-block;width:5px"> </div>common<div style="display:inline-block;width:6px"> </div>shares.<div style="display:inline-block;width:5px"> </div>See<div style="display:inline-block;width:5px"> </div>Note<div style="display:inline-block;width:5px"> </div>13 </div><div id="a18662" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">“Stockholders’ Equity” for further information about the IPO<div style="display:inline-block;width:5px"> </div>and the exchange and redemption of shares.</div></div> <div id="TextBlockContainer403" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:370px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18670" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Risk and Uncertainties </div><div id="a18673" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:italic;color:#000000;left:29px;top:31px;">Current Banking Environment </div><div id="a18676" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">Industry<div style="display:inline-block;width:6px"> </div>events<div style="display:inline-block;width:6px"> </div>transpiring<div style="display:inline-block;width:6px"> </div>prior<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company’s<div style="display:inline-block;width:6px"> </div>filing<div style="display:inline-block;width:6px"> </div>date,<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>bank<div style="display:inline-block;width:6px"> </div>failures,<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>led<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>uncertainty<div style="display:inline-block;width:6px"> </div>and </div><div id="a18678" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concerns regarding<div style="display:inline-block;width:6px"> </div>the liquidity<div style="display:inline-block;width:6px"> </div>positions of<div style="display:inline-block;width:6px"> </div>the banking<div style="display:inline-block;width:6px"> </div>sector.<div style="display:inline-block;width:5px"> </div>These failures<div style="display:inline-block;width:6px"> </div>underscore the<div style="display:inline-block;width:5px"> </div>importance of<div style="display:inline-block;width:6px"> </div>maintaining </div><div id="a18679" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">access to diverse sources of<div style="display:inline-block;width:5px"> </div>funding. The Company’s deposit<div style="display:inline-block;width:5px"> </div>base includes a combination<div style="display:inline-block;width:5px"> </div>of consumer,<div style="display:inline-block;width:5px"> </div>commercial, and </div><div id="a18681" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">public<div style="display:inline-block;width:7px"> </div>funds<div style="display:inline-block;width:7px"> </div>deposits.<div style="display:inline-block;width:7px"> </div>The<div style="display:inline-block;width:7px"> </div>Company’s<div style="display:inline-block;width:7px"> </div>largest<div style="display:inline-block;width:7px"> </div>depositors<div style="display:inline-block;width:7px"> </div>include<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>mixture<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>government-related<div style="display:inline-block;width:7px"> </div>organizations<div style="display:inline-block;width:7px"> </div>and </div><div id="a18684" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">commercial clients without a high level of industry concentration. </div><div id="a18689" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:153px;">In response to<div style="display:inline-block;width:5px"> </div>these events,<div style="display:inline-block;width:5px"> </div>the Treasury<div style="display:inline-block;width:5px"> </div>Department, Federal<div style="display:inline-block;width:5px"> </div>Reserve, and FDIC<div style="display:inline-block;width:6px"> </div>jointly announced the<div style="display:inline-block;width:6px"> </div>Bank Term </div><div id="a18690" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Funding<div style="display:inline-block;width:5px"> </div>Program<div style="display:inline-block;width:6px"> </div>(BTFP)<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>March<div style="display:inline-block;width:5px"> </div>12,<div style="display:inline-block;width:5px"> </div>2023.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>program<div style="display:inline-block;width:6px"> </div>aims<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>enhance<div style="display:inline-block;width:5px"> </div>liquidity<div style="display:inline-block;width:5px"> </div>by<div style="display:inline-block;width:5px"> </div>allowing<div style="display:inline-block;width:5px"> </div>institutions<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>pledge </div><div id="a18691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">certain securities at the<div style="display:inline-block;width:5px"> </div>par value of the securities,<div style="display:inline-block;width:5px"> </div>and at a borrowing<div style="display:inline-block;width:5px"> </div>rate of ten basis<div style="display:inline-block;width:5px"> </div>points over the one-year<div style="display:inline-block;width:5px"> </div>overnight </div><div id="a18695" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">index swap<div style="display:inline-block;width:6px"> </div>rate. The<div style="display:inline-block;width:6px"> </div>BTFP is<div style="display:inline-block;width:6px"> </div>available to<div style="display:inline-block;width:6px"> </div>eligible<div style="display:inline-block;width:5px"> </div>U.S. federally<div style="display:inline-block;width:6px"> </div>insured<div style="display:inline-block;width:5px"> </div>depository<div style="display:inline-block;width:5px"> </div>institutions,<div style="display:inline-block;width:5px"> </div>with advances<div style="display:inline-block;width:6px"> </div>having a </div><div id="a18696" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">term of<div style="display:inline-block;width:5px"> </div>up to<div style="display:inline-block;width:5px"> </div>one year<div style="display:inline-block;width:5px"> </div>and no<div style="display:inline-block;width:5px"> </div>prepayment penalties.<div style="display:inline-block;width:6px"> </div>As of<div style="display:inline-block;width:5px"> </div>the date<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:5px"> </div>release of<div style="display:inline-block;width:5px"> </div>the Audited<div style="display:inline-block;width:5px"> </div>Consolidated Financial </div><div id="a18698" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">Statements, the Company has not accessed the BTFP. </div><div id="a18701" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:261px;">Market conditions and external factors may unpredictably impact the competitive landscape for deposits<div style="display:inline-block;width:5px"> </div>in the banking </div><div id="a18704" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">industry.<div style="display:inline-block;width:5px"> </div>Additionally,<div style="display:inline-block;width:5px"> </div>the rising interest rate environment<div style="display:inline-block;width:5px"> </div>has increased competition for<div style="display:inline-block;width:5px"> </div>liquidity and the premium<div style="display:inline-block;width:5px"> </div>at which </div><div id="a18706" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">liquidity is available<div style="display:inline-block;width:6px"> </div>to meet<div style="display:inline-block;width:5px"> </div>funding needs.<div style="display:inline-block;width:5px"> </div>The Company<div style="display:inline-block;width:5px"> </div>believes its<div style="display:inline-block;width:5px"> </div>sources of<div style="display:inline-block;width:5px"> </div>liquidity are sufficient<div style="display:inline-block;width:6px"> </div>to meet<div style="display:inline-block;width:5px"> </div>its needs </div><div id="a18709" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">on the balance sheet date. </div><div id="a18712" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">An unexpected influx<div style="display:inline-block;width:2px"> </div>of withdrawals of<div style="display:inline-block;width:2px"> </div>deposits could adversely<div style="display:inline-block;width:2px"> </div>impact the Company's<div style="display:inline-block;width:2px"> </div>ability to<div style="display:inline-block;width:2px"> </div>rely on organic<div style="display:inline-block;width:2px"> </div>deposits </div><div id="a18713" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">to primarily<div style="display:inline-block;width:5px"> </div>fund its<div style="display:inline-block;width:5px"> </div>operations, potentially<div style="display:inline-block;width:5px"> </div>requiring greater<div style="display:inline-block;width:5px"> </div>reliance on<div style="display:inline-block;width:5px"> </div>secondary sources<div style="display:inline-block;width:6px"> </div>of liquidity<div style="display:inline-block;width:5px"> </div>to meet<div style="display:inline-block;width:5px"> </div>withdrawal </div></div><div id="TextBlockContainer418" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_406_XBRL_TS_73b9114c778a4f958b7e75147a436fc7_1" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer417" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:891px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18736" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">demands or to fund continuing operations. These sources may include proceeds from FHLB advances, sales of<div style="display:inline-block;width:2px"> </div>investment </div><div id="a18740" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">securities and loans, federal funds lines of credit from<div style="display:inline-block;width:5px"> </div>correspondent banks, and out-of-market time deposits.<div style="display:inline-block;width:5px"> </div></div><div id="a18748" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">Such reliance on secondary funding sources could increase the Company's<div style="display:inline-block;width:5px"> </div>overall cost of funding and thereby reduce </div><div id="a18749" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">net<div style="display:inline-block;width:6px"> </div>income.<div style="display:inline-block;width:6px"> </div>While<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>believes<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:6px"> </div>sources<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>liquidity<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>adequate<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>fund<div style="display:inline-block;width:6px"> </div>operations,<div style="display:inline-block;width:6px"> </div>there<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>no </div><div id="a18750" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">guarantee they<div style="display:inline-block;width:7px"> </div>will suffice<div style="display:inline-block;width:7px"> </div>to meet<div style="display:inline-block;width:6px"> </div>future<div style="display:inline-block;width:5px"> </div>liquidity demands.<div style="display:inline-block;width:7px"> </div>This may<div style="display:inline-block;width:6px"> </div>necessitate<div style="display:inline-block;width:5px"> </div>slowing<div style="display:inline-block;width:5px"> </div>or discontinuing<div style="display:inline-block;width:7px"> </div>loan growth, </div><div id="a18752" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">capital expenditures, or other investments, or liquidating assets. </div><div id="a18755" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">For further discussion of the Company's liquidity practices,<div style="display:inline-block;width:5px"> </div>see page 59 and 62 of this Annual Report on Form<div style="display:inline-block;width:5px"> </div>10-K.</div><div id="div_407_XBRL_TS_e0307d54467844f498c5697f00411f26" style="position:absolute;left:0px;top:153px;float:left;"><div id="TextBlockContainer408" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:293px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18762" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Use of Estimates </div><div id="a18765" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">In preparing the consolidated financial statements, management is required<div style="display:inline-block;width:2px"> </div>to make estimates and assumptions based </div><div id="a18768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">on available information that affect the amounts<div style="display:inline-block;width:5px"> </div>reported in the financial statements and the disclosures provided. </div><div id="a18773" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">The coronavirus (“COVID-19”)<div style="display:inline-block;width:6px"> </div>pandemic has negatively<div style="display:inline-block;width:5px"> </div>affected many of<div style="display:inline-block;width:6px"> </div>the Company’s<div style="display:inline-block;width:5px"> </div>clients and could<div style="display:inline-block;width:5px"> </div>still impair </div><div id="a18780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">their ability to fulfill<div style="display:inline-block;width:5px"> </div>their financial obligations.<div style="display:inline-block;width:5px"> </div>The Company’s business<div style="display:inline-block;width:6px"> </div>is dependent upon the<div style="display:inline-block;width:5px"> </div>willingness and ability of<div style="display:inline-block;width:5px"> </div>its </div><div id="a18786" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">associates and customers to conduct banking and other financial transactions. While<div style="display:inline-block;width:5px"> </div>we believe conditions have improved </div><div id="a18787" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its </div><div id="a18795" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">business,<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:5px"> </div>condition,<div style="display:inline-block;width:5px"> </div>results<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>operations<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>cash<div style="display:inline-block;width:5px"> </div>flows. While<div style="display:inline-block;width:7px"> </div>it<div style="display:inline-block;width:5px"> </div>is not<div style="display:inline-block;width:6px"> </div>possible<div style="display:inline-block;width:5px"> </div>to know<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>full<div style="display:inline-block;width:5px"> </div>extent<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the </div><div id="a18798" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">impact<div style="display:inline-block;width:5px"> </div>the COVID-19<div style="display:inline-block;width:6px"> </div>pandemic<div style="display:inline-block;width:5px"> </div>will have<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>Company's<div style="display:inline-block;width:5px"> </div>future operations,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>continues<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>communicate </div><div id="a18801" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">with its associates and customers<div style="display:inline-block;width:5px"> </div>to understand their challenges, which allows<div style="display:inline-block;width:5px"> </div>us to respond to their needs<div style="display:inline-block;width:5px"> </div>and issues as </div><div id="a18805" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">they arise. </div><div id="a18808" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">While there was<div style="display:inline-block;width:2px"> </div>not a<div style="display:inline-block;width:2px"> </div>material impact to<div style="display:inline-block;width:2px"> </div>the Company’s Consolidated Financial<div style="display:inline-block;width:2px"> </div>Statements as of<div style="display:inline-block;width:2px"> </div>and for<div style="display:inline-block;width:2px"> </div>the year ended </div><div id="a18819" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">December 31, 2022,<div style="display:inline-block;width:5px"> </div>future increases<div style="display:inline-block;width:6px"> </div>in the<div style="display:inline-block;width:5px"> </div>allowance for<div style="display:inline-block;width:6px"> </div>credit losses<div style="display:inline-block;width:5px"> </div>(“ACL”) may<div style="display:inline-block;width:5px"> </div>be required<div style="display:inline-block;width:5px"> </div>because of<div style="display:inline-block;width:5px"> </div>the potential </div><div id="a18839" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">economic<div style="display:inline-block;width:5px"> </div>downturn<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>resurgence<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>virus<div style="display:inline-block;width:5px"> </div>may cause<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>those<div style="display:inline-block;width:5px"> </div>ACL<div style="display:inline-block;width:5px"> </div>increases<div style="display:inline-block;width:5px"> </div>can be<div style="display:inline-block;width:6px"> </div>material.<div style="display:inline-block;width:5px"> </div>It<div style="display:inline-block;width:5px"> </div>is difficult<div style="display:inline-block;width:7px"> </div>to </div><div id="a18848" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">quantify the<div style="display:inline-block;width:5px"> </div>impact that<div style="display:inline-block;width:5px"> </div>COVID-19 will<div style="display:inline-block;width:5px"> </div>have on<div style="display:inline-block;width:5px"> </div>the estimates<div style="display:inline-block;width:6px"> </div>and assumptions<div style="display:inline-block;width:5px"> </div>used to<div style="display:inline-block;width:5px"> </div>prepare the<div style="display:inline-block;width:5px"> </div>financial statements. </div><div id="a18852" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">Actual results could differ from those estimates.</div></div></div><div id="div_409_XBRL_TS_aae8807565314af6b1757297878b8a49" style="position:absolute;left:0px;top:460px;float:left;"><div id="TextBlockContainer410" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18855" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Cash and Cash Equivalents </div><div id="a18858" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>considers<div style="display:inline-block;width:6px"> </div>investments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>maturity<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>90<div style="display:inline-block;width:5px"> </div>days<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:5px"> </div>less<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:5px"> </div>original<div style="display:inline-block;width:6px"> </div>purchase<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>cash </div><div id="a18862" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">equivalents. For<div style="display:inline-block;width:5px"> </div>the Consolidated<div style="display:inline-block;width:5px"> </div>Statements of<div style="display:inline-block;width:5px"> </div>Cash Flows, cash<div style="display:inline-block;width:6px"> </div>and cash equivalents<div style="display:inline-block;width:6px"> </div>include cash<div style="display:inline-block;width:5px"> </div>on hand,<div style="display:inline-block;width:5px"> </div>amounts </div><div id="a18873" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">due from banks, and interest-bearing deposits in banks.</div></div></div><div id="div_411_XBRL_TS_e9b32c94878a4ce1954e1f1d5ac110c3" style="position:absolute;left:0px;top:552px;float:left;"><div id="TextBlockContainer412" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18879" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Restricted Cash </div><div id="a18882" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company may<div style="display:inline-block;width:2px"> </div>be required to<div style="display:inline-block;width:2px"> </div>maintain funds at<div style="display:inline-block;width:2px"> </div>other banks to<div style="display:inline-block;width:2px"> </div>satisfy a loan<div style="display:inline-block;width:2px"> </div>participation agreement. The Company </div><div id="a18885" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">reports restricted cash within cash and cash equivalents.</div></div></div><div id="a18885_57_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:598px;"><div style="display:inline-block;width:4px"> </div></div><div id="div_413_XBRL_TS_7d0eed588bee4e02a4967077e07cab1c" style="position:absolute;left:0px;top:629px;float:left;"><div id="TextBlockContainer414" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:62px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18888" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Interest-Bearing Deposits in Other Financial Institutions </div><div id="a18894" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Interest-bearing deposits in other financial institutions consist<div style="display:inline-block;width:5px"> </div>of Federal Reserve Bank, Federal Home Loan<div style="display:inline-block;width:5px"> </div>Bank and </div><div id="a18899" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">other accounts.</div></div></div><div id="div_415_XBRL_TS_13aff3b3163c432eacf58c3e6f8eb33d" style="position:absolute;left:0px;top:705px;float:left;"><div id="TextBlockContainer416" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18902" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Investment Securities</div><div id="a18906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Debt securities<div style="display:inline-block;width:6px"> </div>are recorded<div style="display:inline-block;width:6px"> </div>at fair<div style="display:inline-block;width:6px"> </div>value except<div style="display:inline-block;width:6px"> </div>for those<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:5px"> </div>which the<div style="display:inline-block;width:6px"> </div>Company has<div style="display:inline-block;width:6px"> </div>the positive<div style="display:inline-block;width:6px"> </div>intent and </div><div id="a18908" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ability to hold to<div style="display:inline-block;width:2px"> </div>maturity. Management determines the appropriate classification of its securities at<div style="display:inline-block;width:2px"> </div>the time of purchase<div style="display:inline-block;width:2px"> </div>and </div><div id="a18910" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">accounts for them on a trade date basis.<div style="display:inline-block;width:5px"> </div></div><div id="a18913" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Debt securities that<div style="display:inline-block;width:2px"> </div>management has the<div style="display:inline-block;width:2px"> </div>positive intent and<div style="display:inline-block;width:2px"> </div>ability to hold<div style="display:inline-block;width:2px"> </div>to maturity are<div style="display:inline-block;width:2px"> </div>classified as "held-to-maturity" </div><div id="a18919" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">and recorded at amortized cost. Trading securities are<div style="display:inline-block;width:2px"> </div>recorded at fair value with<div style="display:inline-block;width:2px"> </div>changes in fair value included<div style="display:inline-block;width:2px"> </div>in earnings. </div><div id="a18921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">Securities not classified<div style="display:inline-block;width:5px"> </div>as held-to-maturity or<div style="display:inline-block;width:5px"> </div>trading are classified<div style="display:inline-block;width:5px"> </div>as "available-for-sale"<div style="display:inline-block;width:5px"> </div>and recorded at<div style="display:inline-block;width:5px"> </div>fair value, with </div><div id="a18931" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">unrealized gains and<div style="display:inline-block;width:2px"> </div>losses excluded from<div style="display:inline-block;width:2px"> </div>earnings and reported<div style="display:inline-block;width:2px"> </div>in other comprehensive<div style="display:inline-block;width:2px"> </div>income (loss). Equity<div style="display:inline-block;width:2px"> </div>investments </div><div id="a18932" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">must be recorded at fair value with changes in fair value<div style="display:inline-block;width:5px"> </div>included in earnings.<div style="display:inline-block;width:4px"> </div></div></div></div></div></div></div> <div id="TextBlockContainer408" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:293px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18762" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Use of Estimates </div><div id="a18765" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">In preparing the consolidated financial statements, management is required<div style="display:inline-block;width:2px"> </div>to make estimates and assumptions based </div><div id="a18768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">on available information that affect the amounts<div style="display:inline-block;width:5px"> </div>reported in the financial statements and the disclosures provided. </div><div id="a18773" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">The coronavirus (“COVID-19”)<div style="display:inline-block;width:6px"> </div>pandemic has negatively<div style="display:inline-block;width:5px"> </div>affected many of<div style="display:inline-block;width:6px"> </div>the Company’s<div style="display:inline-block;width:5px"> </div>clients and could<div style="display:inline-block;width:5px"> </div>still impair </div><div id="a18780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">their ability to fulfill<div style="display:inline-block;width:5px"> </div>their financial obligations.<div style="display:inline-block;width:5px"> </div>The Company’s business<div style="display:inline-block;width:6px"> </div>is dependent upon the<div style="display:inline-block;width:5px"> </div>willingness and ability of<div style="display:inline-block;width:5px"> </div>its </div><div id="a18786" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">associates and customers to conduct banking and other financial transactions. While<div style="display:inline-block;width:5px"> </div>we believe conditions have improved </div><div id="a18787" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its </div><div id="a18795" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">business,<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:5px"> </div>condition,<div style="display:inline-block;width:5px"> </div>results<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>operations<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>cash<div style="display:inline-block;width:5px"> </div>flows. While<div style="display:inline-block;width:7px"> </div>it<div style="display:inline-block;width:5px"> </div>is not<div style="display:inline-block;width:6px"> </div>possible<div style="display:inline-block;width:5px"> </div>to know<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>full<div style="display:inline-block;width:5px"> </div>extent<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the </div><div id="a18798" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">impact<div style="display:inline-block;width:5px"> </div>the COVID-19<div style="display:inline-block;width:6px"> </div>pandemic<div style="display:inline-block;width:5px"> </div>will have<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>Company's<div style="display:inline-block;width:5px"> </div>future operations,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>continues<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>communicate </div><div id="a18801" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">with its associates and customers<div style="display:inline-block;width:5px"> </div>to understand their challenges, which allows<div style="display:inline-block;width:5px"> </div>us to respond to their needs<div style="display:inline-block;width:5px"> </div>and issues as </div><div id="a18805" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">they arise. </div><div id="a18808" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">While there was<div style="display:inline-block;width:2px"> </div>not a<div style="display:inline-block;width:2px"> </div>material impact to<div style="display:inline-block;width:2px"> </div>the Company’s Consolidated Financial<div style="display:inline-block;width:2px"> </div>Statements as of<div style="display:inline-block;width:2px"> </div>and for<div style="display:inline-block;width:2px"> </div>the year ended </div><div id="a18819" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">December 31, 2022,<div style="display:inline-block;width:5px"> </div>future increases<div style="display:inline-block;width:6px"> </div>in the<div style="display:inline-block;width:5px"> </div>allowance for<div style="display:inline-block;width:6px"> </div>credit losses<div style="display:inline-block;width:5px"> </div>(“ACL”) may<div style="display:inline-block;width:5px"> </div>be required<div style="display:inline-block;width:5px"> </div>because of<div style="display:inline-block;width:5px"> </div>the potential </div><div id="a18839" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">economic<div style="display:inline-block;width:5px"> </div>downturn<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>resurgence<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>virus<div style="display:inline-block;width:5px"> </div>may cause<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>those<div style="display:inline-block;width:5px"> </div>ACL<div style="display:inline-block;width:5px"> </div>increases<div style="display:inline-block;width:5px"> </div>can be<div style="display:inline-block;width:6px"> </div>material.<div style="display:inline-block;width:5px"> </div>It<div style="display:inline-block;width:5px"> </div>is difficult<div style="display:inline-block;width:7px"> </div>to </div><div id="a18848" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">quantify the<div style="display:inline-block;width:5px"> </div>impact that<div style="display:inline-block;width:5px"> </div>COVID-19 will<div style="display:inline-block;width:5px"> </div>have on<div style="display:inline-block;width:5px"> </div>the estimates<div style="display:inline-block;width:6px"> </div>and assumptions<div style="display:inline-block;width:5px"> </div>used to<div style="display:inline-block;width:5px"> </div>prepare the<div style="display:inline-block;width:5px"> </div>financial statements. </div><div id="a18852" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">Actual results could differ from those estimates.</div></div> <div id="TextBlockContainer410" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18855" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Cash and Cash Equivalents </div><div id="a18858" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>considers<div style="display:inline-block;width:6px"> </div>investments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>maturity<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>90<div style="display:inline-block;width:5px"> </div>days<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:5px"> </div>less<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:5px"> </div>original<div style="display:inline-block;width:6px"> </div>purchase<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>cash </div><div id="a18862" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">equivalents. For<div style="display:inline-block;width:5px"> </div>the Consolidated<div style="display:inline-block;width:5px"> </div>Statements of<div style="display:inline-block;width:5px"> </div>Cash Flows, cash<div style="display:inline-block;width:6px"> </div>and cash equivalents<div style="display:inline-block;width:6px"> </div>include cash<div style="display:inline-block;width:5px"> </div>on hand,<div style="display:inline-block;width:5px"> </div>amounts </div><div id="a18873" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">due from banks, and interest-bearing deposits in banks.</div></div> <div id="TextBlockContainer412" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18879" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Restricted Cash </div><div id="a18882" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company may<div style="display:inline-block;width:2px"> </div>be required to<div style="display:inline-block;width:2px"> </div>maintain funds at<div style="display:inline-block;width:2px"> </div>other banks to<div style="display:inline-block;width:2px"> </div>satisfy a loan<div style="display:inline-block;width:2px"> </div>participation agreement. The Company </div><div id="a18885" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">reports restricted cash within cash and cash equivalents.</div></div> <div id="TextBlockContainer414" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:62px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18888" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Interest-Bearing Deposits in Other Financial Institutions </div><div id="a18894" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Interest-bearing deposits in other financial institutions consist<div style="display:inline-block;width:5px"> </div>of Federal Reserve Bank, Federal Home Loan<div style="display:inline-block;width:5px"> </div>Bank and </div><div id="a18899" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">other accounts.</div></div> <div id="TextBlockContainer416" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18902" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Investment Securities</div><div id="a18906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Debt securities<div style="display:inline-block;width:6px"> </div>are recorded<div style="display:inline-block;width:6px"> </div>at fair<div style="display:inline-block;width:6px"> </div>value except<div style="display:inline-block;width:6px"> </div>for those<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:5px"> </div>which the<div style="display:inline-block;width:6px"> </div>Company has<div style="display:inline-block;width:6px"> </div>the positive<div style="display:inline-block;width:6px"> </div>intent and </div><div id="a18908" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ability to hold to<div style="display:inline-block;width:2px"> </div>maturity. Management determines the appropriate classification of its securities at<div style="display:inline-block;width:2px"> </div>the time of purchase<div style="display:inline-block;width:2px"> </div>and </div><div id="a18910" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">accounts for them on a trade date basis.<div style="display:inline-block;width:5px"> </div></div><div id="a18913" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Debt securities that<div style="display:inline-block;width:2px"> </div>management has the<div style="display:inline-block;width:2px"> </div>positive intent and<div style="display:inline-block;width:2px"> </div>ability to hold<div style="display:inline-block;width:2px"> </div>to maturity are<div style="display:inline-block;width:2px"> </div>classified as "held-to-maturity" </div><div id="a18919" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">and recorded at amortized cost. Trading securities are<div style="display:inline-block;width:2px"> </div>recorded at fair value with<div style="display:inline-block;width:2px"> </div>changes in fair value included<div style="display:inline-block;width:2px"> </div>in earnings. </div><div id="a18921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">Securities not classified<div style="display:inline-block;width:5px"> </div>as held-to-maturity or<div style="display:inline-block;width:5px"> </div>trading are classified<div style="display:inline-block;width:5px"> </div>as "available-for-sale"<div style="display:inline-block;width:5px"> </div>and recorded at<div style="display:inline-block;width:5px"> </div>fair value, with </div><div id="a18931" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">unrealized gains and<div style="display:inline-block;width:2px"> </div>losses excluded from<div style="display:inline-block;width:2px"> </div>earnings and reported<div style="display:inline-block;width:2px"> </div>in other comprehensive<div style="display:inline-block;width:2px"> </div>income (loss). Equity<div style="display:inline-block;width:2px"> </div>investments </div><div id="a18932" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">must be recorded at fair value with changes in fair value<div style="display:inline-block;width:5px"> </div>included in earnings.<div style="display:inline-block;width:4px"> </div></div></div><div id="TextBlockContainer421" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:185px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a18956" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Purchase premiums and discounts are amortized or accreted over<div style="display:inline-block;width:5px"> </div>the estimated life of the related available-for-sale or </div><div id="a18961" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">held-to-maturity<div style="display:inline-block;width:7px"> </div>security<div style="display:inline-block;width:7px"> </div>as<div style="display:inline-block;width:7px"> </div>an<div style="display:inline-block;width:7px"> </div>adjustment<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>yield<div style="display:inline-block;width:7px"> </div>using<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:7px"> </div>effective<div style="display:inline-block;width:7px"> </div>interest<div style="display:inline-block;width:7px"> </div>method.<div style="display:inline-block;width:7px"> </div>Prepayments<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>principal<div style="display:inline-block;width:7px"> </div>are </div><div id="a18967" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">considered in determining the estimated life of the<div style="display:inline-block;width:2px"> </div>security. Such amortization and accretion are included in interest income </div><div id="a18969" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">in the Consolidated<div style="display:inline-block;width:2px"> </div>Statements of Operations.<div style="display:inline-block;width:2px"> </div>Dividend and interest<div style="display:inline-block;width:2px"> </div>income are recognized when<div style="display:inline-block;width:2px"> </div>earned. Gains and<div style="display:inline-block;width:2px"> </div>losses </div><div id="a18970" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">on the sale of securities are recorded on trade date and are determined<div style="display:inline-block;width:5px"> </div>on a specific identification basis. </div><div id="a18975" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Declines<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>fair<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>available-for-sale<div style="display:inline-block;width:6px"> </div>debt<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>their<div style="display:inline-block;width:6px"> </div>cost<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>other-than-</div><div id="a18983" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">temporary<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>reflected<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:5px"> </div>earnings<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>realized<div style="display:inline-block;width:5px"> </div>losses.<div style="display:inline-block;width:6px"> </div>In<div style="display:inline-block;width:5px"> </div>determining<div style="display:inline-block;width:6px"> </div>whether<div style="display:inline-block;width:5px"> </div>other-than-temporary<div style="display:inline-block;width:6px"> </div>impairment<div style="display:inline-block;width:6px"> </div>exists, </div><div id="a18990" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">management considers several factors in their analysis including<div style="display:inline-block;width:2px"> </div>(i) severity and duration of the<div style="display:inline-block;width:2px"> </div>impairment, (ii) credit rating </div><div id="a18992" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">of security including any downgrade, (iii) intent to sell the security, or if it is more likely than not that it will be required to sell </div><div id="a18995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">the<div style="display:inline-block;width:6px"> </div>security<div style="display:inline-block;width:6px"> </div>before<div style="display:inline-block;width:6px"> </div>recovery,<div style="display:inline-block;width:7px"> </div>(iv)<div style="display:inline-block;width:6px"> </div>whether<div style="display:inline-block;width:6px"> </div>there<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>any<div style="display:inline-block;width:6px"> </div>payment<div style="display:inline-block;width:6px"> </div>defaults<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>(v)<div style="display:inline-block;width:6px"> </div>underlying<div style="display:inline-block;width:6px"> </div>guarantor<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the </div><div id="a18997" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">securities.</div></div> <div id="TextBlockContainer423" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:109px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19000" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Federal Home Loan Bank (FHLB) Stock </div><div id="a19005" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Bank is a member of the FHLB system. Members are required to<div style="display:inline-block;width:2px"> </div>own a certain amount of stock based on the level </div><div id="a19006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">of borrowings and<div style="display:inline-block;width:2px"> </div>other factors and<div style="display:inline-block;width:2px"> </div>may invest in<div style="display:inline-block;width:2px"> </div>additional amounts. FHLB<div style="display:inline-block;width:2px"> </div>stock is carried<div style="display:inline-block;width:2px"> </div>at cost, classified<div style="display:inline-block;width:2px"> </div>as a restricted </div><div id="a19013" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">asset, and<div style="display:inline-block;width:6px"> </div>periodically evaluated<div style="display:inline-block;width:6px"> </div>for impairment<div style="display:inline-block;width:6px"> </div>based on<div style="display:inline-block;width:6px"> </div>ultimate recovery<div style="display:inline-block;width:6px"> </div>of par<div style="display:inline-block;width:6px"> </div>value. As<div style="display:inline-block;width:6px"> </div>of December<div style="display:inline-block;width:5px"> </div>31, 2022<div style="display:inline-block;width:6px"> </div>and </div><div id="a19024" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">2021,<div style="display:inline-block;width:5px"> </div>FHLB<div style="display:inline-block;width:5px"> </div>stock<div style="display:inline-block;width:5px"> </div>amounted<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>$</div><div id="a19024_30_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:207px;top:77px;">2.9</div><div id="a19024_33_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:225px;top:77px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>$</div><div id="a19024_47_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:307px;top:77px;">2.1</div><div id="a19024_50_66" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:325px;top:77px;"><div style="display:inline-block;width:4px"> </div>million,<div style="display:inline-block;width:5px"> </div>respectively,<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:5px"> </div>no<div style="display:inline-block;width:5px"> </div>impairment<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:5px"> </div>necessary.<div style="display:inline-block;width:6px"> </div>Both </div><div id="a19040" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">cash and stock dividends are reported as interest income.</div></div> 2900000 2100000 <div id="TextBlockContainer425" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:569px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19046" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Loans Held for Investment and Allowance for Credit<div style="display:inline-block;width:5px"> </div>Losses </div><div id="a19049" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Loans held for investment (“loans”) are reported at their outstanding principal<div style="display:inline-block;width:5px"> </div>balance net of charge-offs, deferred loan </div><div id="a19052" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">fees,<div style="display:inline-block;width:5px"> </div>unearned<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>ACL.<div style="display:inline-block;width:5px"> </div>Interest<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>is generally<div style="display:inline-block;width:6px"> </div>recognized<div style="display:inline-block;width:5px"> </div>when<div style="display:inline-block;width:5px"> </div>income<div style="display:inline-block;width:5px"> </div>is earned<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>interest </div><div id="a19054" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">method.<div style="display:inline-block;width:5px"> </div>Loan<div style="display:inline-block;width:5px"> </div>origination<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>commitment<div style="display:inline-block;width:6px"> </div>fees<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>costs<div style="display:inline-block;width:5px"> </div>associated<div style="display:inline-block;width:5px"> </div>with<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>origination<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>deferred<div style="display:inline-block;width:5px"> </div>and </div><div id="a19055" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">amortized, using the interest method or the straight-line<div style="display:inline-block;width:5px"> </div>method, over the life of the related loan.<div style="display:inline-block;width:5px"> </div></div><div id="a19061" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:108px;">If the<div style="display:inline-block;width:5px"> </div>principal or<div style="display:inline-block;width:5px"> </div>interest on<div style="display:inline-block;width:6px"> </div>a commercial<div style="display:inline-block;width:6px"> </div>loan becomes<div style="display:inline-block;width:6px"> </div>due and<div style="display:inline-block;width:5px"> </div>unpaid for<div style="display:inline-block;width:6px"> </div>90 days<div style="display:inline-block;width:5px"> </div>or more,<div style="display:inline-block;width:6px"> </div>the loan<div style="display:inline-block;width:5px"> </div>is placed<div style="display:inline-block;width:6px"> </div>on </div><div id="a19062" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">non-accrual status as of<div style="display:inline-block;width:5px"> </div>the date it becomes<div style="display:inline-block;width:5px"> </div>90 days past due and<div style="display:inline-block;width:5px"> </div>remains in non-accrual<div style="display:inline-block;width:5px"> </div>status until it meets<div style="display:inline-block;width:5px"> </div>the criteria </div><div id="a19068" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">for restoration to accrual status.<div style="display:inline-block;width:5px"> </div>Residential loans, on<div style="display:inline-block;width:5px"> </div>the other hand, are placed<div style="display:inline-block;width:5px"> </div>on non-accrual status when<div style="display:inline-block;width:5px"> </div>the principal </div><div id="a19071" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">or interest<div style="display:inline-block;width:5px"> </div>becomes due<div style="display:inline-block;width:5px"> </div>and unpaid<div style="display:inline-block;width:5px"> </div>for 120<div style="display:inline-block;width:5px"> </div>days or<div style="display:inline-block;width:5px"> </div>more and<div style="display:inline-block;width:5px"> </div>remains in<div style="display:inline-block;width:5px"> </div>non-accrual status<div style="display:inline-block;width:5px"> </div>until it meets<div style="display:inline-block;width:6px"> </div>the criteria<div style="display:inline-block;width:5px"> </div>for </div><div id="a19075" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">restoration<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>accrual<div style="display:inline-block;width:6px"> </div>status.<div style="display:inline-block;width:6px"> </div>Restoring<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>accrual<div style="display:inline-block;width:6px"> </div>status<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:5px"> </div>possible<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>borrower<div style="display:inline-block;width:6px"> </div>resumes<div style="display:inline-block;width:6px"> </div>payment<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>all </div><div id="a19076" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">principal and interest<div style="display:inline-block;width:5px"> </div>payments for a period<div style="display:inline-block;width:5px"> </div>of six months<div style="display:inline-block;width:5px"> </div>and the Company<div style="display:inline-block;width:5px"> </div>has a documented<div style="display:inline-block;width:5px"> </div>expectation of repayment </div><div id="a19077" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest </div><div id="a19081" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">accrued but not<div style="display:inline-block;width:6px"> </div>collected for<div style="display:inline-block;width:5px"> </div>loans that are<div style="display:inline-block;width:6px"> </div>placed on<div style="display:inline-block;width:5px"> </div>nonaccrual status<div style="display:inline-block;width:5px"> </div>is reversed<div style="display:inline-block;width:5px"> </div>against interest<div style="display:inline-block;width:5px"> </div>income. The<div style="display:inline-block;width:5px"> </div>interest </div><div id="a19082" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">on these<div style="display:inline-block;width:6px"> </div>loans is<div style="display:inline-block;width:6px"> </div>accounted for<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>cash-basis<div style="display:inline-block;width:5px"> </div>or cost-recovery<div style="display:inline-block;width:6px"> </div>method,<div style="display:inline-block;width:5px"> </div>under which<div style="display:inline-block;width:6px"> </div>cash collections<div style="display:inline-block;width:6px"> </div>are applied<div style="display:inline-block;width:6px"> </div>to </div><div id="a19088" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">unpaid principal, which may change as conditions dictate.<div style="display:inline-block;width:5px"> </div></div><div id="a19091" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:276px;">The Company has determined that the entire balance of a<div style="display:inline-block;width:2px"> </div>loan is contractually delinquent for all classes if the<div style="display:inline-block;width:2px"> </div>minimum </div><div id="a19096" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">payment is not received by<div style="display:inline-block;width:2px"> </div>the specified due date on<div style="display:inline-block;width:2px"> </div>the borrower's statement. Interest and fees<div style="display:inline-block;width:2px"> </div>continue to accrue on past </div><div id="a19097" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">due loans until the date the loan goes into nonaccrual<div style="display:inline-block;width:5px"> </div>status. </div><div id="a19100" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">The Company provides for loan losses through a provision for credit losses charged to operations. When management </div><div id="a19104" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">believes that a<div style="display:inline-block;width:5px"> </div>loan or a portion<div style="display:inline-block;width:5px"> </div>of the loan balance<div style="display:inline-block;width:6px"> </div>is uncollectible, that<div style="display:inline-block;width:5px"> </div>amount is charged<div style="display:inline-block;width:5px"> </div>against the ACL.<div style="display:inline-block;width:5px"> </div>Subsequent </div><div id="a19105" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">recoveries, if any,<div style="display:inline-block;width:5px"> </div>are credited to the ACL. </div><div id="a19109" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">The ACL<div style="display:inline-block;width:5px"> </div>reflects management's<div style="display:inline-block;width:6px"> </div>judgment of<div style="display:inline-block;width:5px"> </div>probable loan losses<div style="display:inline-block;width:6px"> </div>inherent in<div style="display:inline-block;width:5px"> </div>the portfolio<div style="display:inline-block;width:5px"> </div>at the balance<div style="display:inline-block;width:6px"> </div>sheet date. </div><div id="a19110" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">Management uses a disciplined<div style="display:inline-block;width:5px"> </div>process and methodology<div style="display:inline-block;width:5px"> </div>to establish the<div style="display:inline-block;width:5px"> </div>ACL each quarter.<div style="display:inline-block;width:6px"> </div>To<div style="display:inline-block;width:6px"> </div>determine the total ACL, </div><div id="a19111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:430px;">the Company<div style="display:inline-block;width:6px"> </div>estimates the<div style="display:inline-block;width:6px"> </div>reserves needed<div style="display:inline-block;width:6px"> </div>for each<div style="display:inline-block;width:5px"> </div>segment of<div style="display:inline-block;width:6px"> </div>the portfolio,<div style="display:inline-block;width:5px"> </div>including loans<div style="display:inline-block;width:5px"> </div>analyzed individually<div style="display:inline-block;width:6px"> </div>and </div><div id="a19116" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:445px;">loans analyzed on a pooled basis. The ACL consists<div style="display:inline-block;width:5px"> </div>of the amount applicable to the following segments: </div><div id="a19119" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:476px;">•<div style="display:inline-block;width:19px"> </div>Residential real estate </div><div id="a19123" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:491px;">•<div style="display:inline-block;width:19px"> </div>Commercial real estate </div><div id="a19128" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:506px;">•<div style="display:inline-block;width:19px"> </div>Commercial and industrial </div><div id="a19132" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:522px;">•<div style="display:inline-block;width:19px"> </div>Foreign banks </div><div id="a19136" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:537px;">•<div style="display:inline-block;width:19px"> </div>Other loans (secured and unsecured consumer loans) </div></div><div id="TextBlockContainer429" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:906px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19161" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Residential<div style="display:inline-block;width:5px"> </div>real<div style="display:inline-block;width:5px"> </div>estate<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>underwritten<div style="display:inline-block;width:5px"> </div>following<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>policies<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>which<div style="display:inline-block;width:5px"> </div>includes<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>review<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the </div><div id="a19165" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">borrower’s credit, capacity<div style="display:inline-block;width:2px"> </div>and the collateral<div style="display:inline-block;width:2px"> </div>securing the loan.<div style="display:inline-block;width:2px"> </div>The borrower’s ability<div style="display:inline-block;width:2px"> </div>to repay involves<div style="display:inline-block;width:2px"> </div>an analysis of<div style="display:inline-block;width:2px"> </div>factors </div><div id="a19167" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">including: current<div style="display:inline-block;width:5px"> </div>income, employment<div style="display:inline-block;width:5px"> </div>status, monthly<div style="display:inline-block;width:5px"> </div>payment of<div style="display:inline-block;width:5px"> </div>loan, current<div style="display:inline-block;width:5px"> </div>debt obligations,<div style="display:inline-block;width:5px"> </div>monthly debt<div style="display:inline-block;width:5px"> </div>to income </div><div id="a19169" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ratio and credit history. The Company relies on appraisals in determining the<div style="display:inline-block;width:5px"> </div>value of the property. Risk is mitigated by this </div><div id="a19173" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">analysis and the diversity of the residential portfolio. </div><div id="a19176" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">Commercial real estate<div style="display:inline-block;width:2px"> </div>loans are<div style="display:inline-block;width:2px"> </div>secured by liens<div style="display:inline-block;width:2px"> </div>on commercial properties,<div style="display:inline-block;width:2px"> </div>land, construction and<div style="display:inline-block;width:2px"> </div>multifamily housing. </div><div id="a19178" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">Underwriting<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>commercial<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>will analyze<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>key<div style="display:inline-block;width:5px"> </div>market<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>business<div style="display:inline-block;width:5px"> </div>factors<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>arrive<div style="display:inline-block;width:5px"> </div>at<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>decision<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>credit </div><div id="a19179" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">worthiness of the borrower.<div style="display:inline-block;width:6px"> </div>The analysis may include<div style="display:inline-block;width:5px"> </div>the capacity of the<div style="display:inline-block;width:5px"> </div>borrower, income<div style="display:inline-block;width:6px"> </div>generated by property for<div style="display:inline-block;width:5px"> </div>debt </div><div id="a19181" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">service, other<div style="display:inline-block;width:5px"> </div>sources of<div style="display:inline-block;width:5px"> </div>repayment, sensitivity<div style="display:inline-block;width:6px"> </div>analysis to<div style="display:inline-block;width:5px"> </div>fluctuations in<div style="display:inline-block;width:6px"> </div>market conditions<div style="display:inline-block;width:6px"> </div>including vacancy<div style="display:inline-block;width:6px"> </div>and rental </div><div id="a19182" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease </div><div id="a19184" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">the property.<div style="display:inline-block;width:7px"> </div>Appraisals<div style="display:inline-block;width:5px"> </div>are used<div style="display:inline-block;width:6px"> </div>to determine<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>value of<div style="display:inline-block;width:6px"> </div>the underlying<div style="display:inline-block;width:6px"> </div>collateral.<div style="display:inline-block;width:5px"> </div>Risk<div style="display:inline-block;width:5px"> </div>is mitigated<div style="display:inline-block;width:6px"> </div>as the<div style="display:inline-block;width:6px"> </div>properties </div><div id="a19185" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">securing the commercial real estate loans are diverse in<div style="display:inline-block;width:5px"> </div>type, location, and loan structure.<div style="display:inline-block;width:8px"> </div></div><div id="a19189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">Commercial<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>industrial<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>secured<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>business<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>company<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>include<div style="display:inline-block;width:6px"> </div>equipment, </div><div id="a19190" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">inventory, and receivables.<div style="display:inline-block;width:6px"> </div>The loans are underwritten based on the<div style="display:inline-block;width:5px"> </div>income capacity of the business, the ability<div style="display:inline-block;width:5px"> </div>to service </div><div id="a19191" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">the debt based<div style="display:inline-block;width:5px"> </div>on operating cash<div style="display:inline-block;width:5px"> </div>flows, the credit<div style="display:inline-block;width:6px"> </div>worthiness of the<div style="display:inline-block;width:5px"> </div>borrower,<div style="display:inline-block;width:5px"> </div>other sources<div style="display:inline-block;width:5px"> </div>of repayment and<div style="display:inline-block;width:5px"> </div>collateral. </div><div id="a19193" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">The Company mitigates the risk in the commercial portfolio<div style="display:inline-block;width:5px"> </div>through industry diversification.<div style="display:inline-block;width:5px"> </div></div><div id="a19199" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:291px;">Foreign Banks<div style="display:inline-block;width:6px"> </div>loans are<div style="display:inline-block;width:6px"> </div>short term<div style="display:inline-block;width:6px"> </div>loans with<div style="display:inline-block;width:6px"> </div>international correspondent<div style="display:inline-block;width:6px"> </div>banking institutions<div style="display:inline-block;width:6px"> </div>primarily<div style="display:inline-block;width:5px"> </div>domiciled in </div><div id="a19201" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">Latin America. Most of these loans are for trade capital and have a<div style="display:inline-block;width:5px"> </div>life of less than one year. The<div style="display:inline-block;width:5px"> </div>Company’s credit review </div><div id="a19205" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:322px;">includes a credit analysis, peer comparison and current<div style="display:inline-block;width:5px"> </div>country risk overview.<div style="display:inline-block;width:5px"> </div>Annual re-evaluation of the risk rating of the </div><div id="a19209" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:337px;">borrower and country and a review of authorized<div style="display:inline-block;width:5px"> </div>signer within the Company.<div style="display:inline-block;width:6px"> </div>The risk is mitigated as these loans are short </div><div id="a19212" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">term, have limited exposure, and are geographically dispersed.<div style="display:inline-block;width:5px"> </div></div><div id="a19215" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:383px;">Other<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>secured<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>unsecured<div style="display:inline-block;width:6px"> </div>consumer<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>personal<div style="display:inline-block;width:6px"> </div>loans,<div style="display:inline-block;width:6px"> </div>overdrafts<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>deposit<div style="display:inline-block;width:6px"> </div>account </div><div id="a19217" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:399px;">collateralized<div style="display:inline-block;width:7px"> </div>loans.<div style="display:inline-block;width:7px"> </div>Repayment<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>loans<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:7px"> </div>primarily<div style="display:inline-block;width:7px"> </div>from<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>personal<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>borrowers.<div style="display:inline-block;width:7px"> </div>Loans<div style="display:inline-block;width:7px"> </div>are </div><div id="a19218" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">underwritten based on the credit worthiness of the borrower.<div style="display:inline-block;width:6px"> </div>The risk on these loans is mitigated by small loan balances.<div style="display:inline-block;width:9px"> </div></div><div id="a19222" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:445px;">In<div style="display:inline-block;width:5px"> </div>determining<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>balance<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>ACL,<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>pooled<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:5px"> </div>product<div style="display:inline-block;width:6px"> </div>segments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>similar<div style="display:inline-block;width:6px"> </div>risk<div style="display:inline-block;width:6px"> </div>characteristics<div style="display:inline-block;width:6px"> </div>and </div><div id="a19223" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">management evaluates<div style="display:inline-block;width:5px"> </div>the ACL<div style="display:inline-block;width:5px"> </div>on each<div style="display:inline-block;width:5px"> </div>segment and<div style="display:inline-block;width:5px"> </div>as a<div style="display:inline-block;width:5px"> </div>whole to<div style="display:inline-block;width:5px"> </div>maintain the<div style="display:inline-block;width:5px"> </div>allowance at<div style="display:inline-block;width:5px"> </div>an adequate<div style="display:inline-block;width:5px"> </div>level based </div><div id="a19225" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:475px;">on factors which, in<div style="display:inline-block;width:5px"> </div>management's judgment,<div style="display:inline-block;width:5px"> </div>deserve current recognition in<div style="display:inline-block;width:5px"> </div>estimating credit losses.<div style="display:inline-block;width:5px"> </div>Such factors include </div><div id="a19226" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:491px;">changes in prevailing economic conditions, historical loss experience,<div style="display:inline-block;width:5px"> </div>delinquency trends, changes in the composition and </div><div id="a19228" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">size of the loan portfolio and the overall credit worthiness<div style="display:inline-block;width:5px"> </div>of the borrowers. </div><div id="a19231" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:537px;">The ACL<div style="display:inline-block;width:5px"> </div>consists of<div style="display:inline-block;width:6px"> </div>general and<div style="display:inline-block;width:5px"> </div>specific components.<div style="display:inline-block;width:6px"> </div>The following<div style="display:inline-block;width:5px"> </div>is how<div style="display:inline-block;width:5px"> </div>management determines<div style="display:inline-block;width:6px"> </div>the balance<div style="display:inline-block;width:5px"> </div>of </div><div id="a19232" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:552px;">the general component for the ACL account for each segment<div style="display:inline-block;width:5px"> </div>of the loans as described above.<div style="display:inline-block;width:5px"> </div></div><div id="a19236" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:583px;">The loan segments<div style="display:inline-block;width:5px"> </div>are primarily grouped by<div style="display:inline-block;width:5px"> </div>collateral type with similar<div style="display:inline-block;width:6px"> </div>risk characteristics and<div style="display:inline-block;width:5px"> </div>a historical loss<div style="display:inline-block;width:5px"> </div>rate is </div><div id="a19237" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:598px;">determined based on a ten year look back period. The Company applies time weights to<div style="display:inline-block;width:2px"> </div>consider various stages of a credit </div><div id="a19241" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:613px;">cycle.<div style="display:inline-block;width:4px"> </div></div><div id="a19244" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:644px;">The<div style="display:inline-block;width:8px"> </div>ACL<div style="display:inline-block;width:7px"> </div>calculation<div style="display:inline-block;width:8px"> </div>is<div style="display:inline-block;width:7px"> </div>based<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:7px"> </div>Company’s<div style="display:inline-block;width:8px"> </div>own<div style="display:inline-block;width:7px"> </div>net<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:8px"> </div>experience<div style="display:inline-block;width:8px"> </div>adjusted<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:8px"> </div>certain<div style="display:inline-block;width:8px"> </div>qualitative<div style="display:inline-block;width:8px"> </div>and </div><div id="a19251" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:659px;">environmental factors. To<div style="display:inline-block;width:6px"> </div>estimate the impact of<div style="display:inline-block;width:5px"> </div>non-recurrent losses, management<div style="display:inline-block;width:5px"> </div>has developed a statistical<div style="display:inline-block;width:5px"> </div>study that </div><div id="a19257" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:675px;">tracks historical non-recurring<div style="display:inline-block;width:6px"> </div>losses at a<div style="display:inline-block;width:5px"> </div>loan level. This<div style="display:inline-block;width:6px"> </div>analysis is<div style="display:inline-block;width:5px"> </div>used to estimate<div style="display:inline-block;width:6px"> </div>an adjusted loss<div style="display:inline-block;width:5px"> </div>rate for<div style="display:inline-block;width:5px"> </div>each loan </div><div id="a19260" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:690px;">pool. Management believes the<div style="display:inline-block;width:5px"> </div>effect of these losses<div style="display:inline-block;width:5px"> </div>results in a loss<div style="display:inline-block;width:5px"> </div>rate that is more<div style="display:inline-block;width:5px"> </div>consistent with the behavior<div style="display:inline-block;width:5px"> </div>of the </div><div id="a19262" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:705px;">loan portfolio in the normal course of business.<div style="display:inline-block;width:5px"> </div></div><div id="a19265" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:736px;">Qualitative<div style="display:inline-block;width:7px"> </div>factors<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>applied<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>historical<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:6px"> </div>rates<div style="display:inline-block;width:7px"> </div>based<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>management's<div style="display:inline-block;width:7px"> </div>experience<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>assessment.<div style="display:inline-block;width:7px"> </div>The </div><div id="a19266" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:751px;">following are the factors used to adjust the historical<div style="display:inline-block;width:5px"> </div>loss rates:<div style="display:inline-block;width:4px"> </div></div><div id="a19270" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:782px;">•<div style="display:inline-block;width:19px"> </div>Loan quality review </div><div id="a19274" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:797px;">•<div style="display:inline-block;width:19px"> </div>Lending and credit management /staff expertise<div style="display:inline-block;width:5px"> </div>and practices </div><div id="a19278" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:813px;">•<div style="display:inline-block;width:19px"> </div>Economic and business conditions </div><div id="a19282" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:828px;">•<div style="display:inline-block;width:19px"> </div>Lending and credit underwriting policies and procedures </div><div id="a19286" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:843px;">•<div style="display:inline-block;width:19px"> </div>Problem loan levels and trends </div><div id="a19290" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:859px;">•<div style="display:inline-block;width:19px"> </div>Collateral concentrations </div><div id="a19295" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:874px;">•<div style="display:inline-block;width:19px"> </div>Large obligor concentration </div><div id="a19299" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:889px;">•<div style="display:inline-block;width:19px"> </div>New loan volumes </div></div><div id="TextBlockContainer433" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:737px;height:691px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19323" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">•<div style="display:inline-block;width:19px"> </div>Combined loan to value (“CLTV”)<div style="display:inline-block;width:6px"> </div>qualitative adjustment for substandard accrual loan segment </div><div id="a19328" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Changes in these factors could<div style="display:inline-block;width:2px"> </div>result in material adjustments to the<div style="display:inline-block;width:2px"> </div>ACL. The losses the Company may<div style="display:inline-block;width:2px"> </div>ultimately incur </div><div id="a19333" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">could differ materially from the amounts estimated<div style="display:inline-block;width:5px"> </div>in arriving at the ACL. </div><div id="a19336" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">In addition<div style="display:inline-block;width:5px"> </div>to the<div style="display:inline-block;width:6px"> </div>ACL, the<div style="display:inline-block;width:6px"> </div>Company also<div style="display:inline-block;width:6px"> </div>estimates probable<div style="display:inline-block;width:6px"> </div>losses related<div style="display:inline-block;width:6px"> </div>to financial<div style="display:inline-block;width:6px"> </div>instruments with<div style="display:inline-block;width:6px"> </div>off-balance </div><div id="a19342" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">sheet risk, such as letters<div style="display:inline-block;width:5px"> </div>of credit and unfunded loan<div style="display:inline-block;width:5px"> </div>commitments, and records these estimates<div style="display:inline-block;width:6px"> </div>in other liabilities on the </div><div id="a19345" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">Consolidated<div style="display:inline-block;width:8px"> </div>Balance<div style="display:inline-block;width:8px"> </div>Sheets<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>offset<div style="display:inline-block;width:8px"> </div>recorded<div style="display:inline-block;width:8px"> </div>in<div style="display:inline-block;width:7px"> </div>non-interest<div style="display:inline-block;width:8px"> </div>expense<div style="display:inline-block;width:8px"> </div>on<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>Consolidated<div style="display:inline-block;width:8px"> </div>Statements<div style="display:inline-block;width:8px"> </div>of </div><div id="a19348" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">Operations.<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:7px"> </div>instruments<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:6px"> </div>off-balance<div style="display:inline-block;width:7px"> </div>sheet<div style="display:inline-block;width:6px"> </div>risk<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>subject<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>review<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:6px"> </div>aggregate<div style="display:inline-block;width:7px"> </div>basis.<div style="display:inline-block;width:6px"> </div>Past<div style="display:inline-block;width:6px"> </div>loss </div><div id="a19352" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">experience and<div style="display:inline-block;width:2px"> </div>any other<div style="display:inline-block;width:2px"> </div>pertinent information is<div style="display:inline-block;width:2px"> </div>reviewed, resulting in<div style="display:inline-block;width:2px"> </div>the estimation<div style="display:inline-block;width:2px"> </div>of the<div style="display:inline-block;width:2px"> </div>reserve for financial<div style="display:inline-block;width:2px"> </div>instruments </div><div id="a19354" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">with off-balance sheet risk. </div><div id="a19359" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:184px;">A loan is considered<div style="display:inline-block;width:6px"> </div>impaired when, based<div style="display:inline-block;width:5px"> </div>on current information<div style="display:inline-block;width:5px"> </div>and events, it<div style="display:inline-block;width:5px"> </div>is probable that<div style="display:inline-block;width:5px"> </div>the Company will<div style="display:inline-block;width:5px"> </div>be </div><div id="a19364" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">unable to<div style="display:inline-block;width:5px"> </div>collect the<div style="display:inline-block;width:5px"> </div>scheduled payments<div style="display:inline-block;width:6px"> </div>of principal<div style="display:inline-block;width:5px"> </div>or interest<div style="display:inline-block;width:5px"> </div>when due<div style="display:inline-block;width:5px"> </div>according to<div style="display:inline-block;width:5px"> </div>the contractual<div style="display:inline-block;width:5px"> </div>terms of<div style="display:inline-block;width:5px"> </div>the loan </div><div id="a19365" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">agreement or when the loan<div style="display:inline-block;width:5px"> </div>is designated as a Troubled<div style="display:inline-block;width:6px"> </div>Debt Restructuring (“TDR”). Factors<div style="display:inline-block;width:5px"> </div>considered by management </div><div id="a19367" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">in determining impairment include payment status, collateral value, and the probability of collecting<div style="display:inline-block;width:2px"> </div>scheduled principal and </div><div id="a19369" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">interest payments when due.<div style="display:inline-block;width:5px"> </div>Loans that experience insignificant<div style="display:inline-block;width:5px"> </div>payment delays and payment<div style="display:inline-block;width:5px"> </div>shortfalls generally are not </div><div id="a19371" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">classified as impaired. Impairment is measured on a loan by loan basis by either the present value<div style="display:inline-block;width:5px"> </div>of expected future cash </div><div id="a19372" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">flows discounted at the loan's effective<div style="display:inline-block;width:5px"> </div>interest rate, the loan's obtainable<div style="display:inline-block;width:5px"> </div>fair value, or the fair value of<div style="display:inline-block;width:5px"> </div>the collateral, if the </div><div id="a19374" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:291px;">loan<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>collateral<div style="display:inline-block;width:6px"> </div>dependent.<div style="display:inline-block;width:6px"> </div>If<div style="display:inline-block;width:6px"> </div>management<div style="display:inline-block;width:6px"> </div>determines<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>impaired<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>less<div style="display:inline-block;width:6px"> </div>than<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>recorded </div><div id="a19375" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">investment in the loan (outstanding principal balance plus accrued interest, net of previous charge-offs, and net of deferred </div><div id="a19379" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:322px;">loan fees or cost), impairment is recognized through an allowance<div style="display:inline-block;width:5px"> </div>estimate or a charge-off to the ACL. </div><div id="a19384" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:353px;">In<div style="display:inline-block;width:6px"> </div>situations<div style="display:inline-block;width:6px"> </div>where,<div style="display:inline-block;width:6px"> </div>due<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>borrower's<div style="display:inline-block;width:6px"> </div>financial<div style="display:inline-block;width:6px"> </div>difficulties,<div style="display:inline-block;width:7px"> </div>management<div style="display:inline-block;width:7px"> </div>grants<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>concession<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>other<div style="display:inline-block;width:6px"> </div>than<div style="display:inline-block;width:6px"> </div>an </div><div id="a19385" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">insignificant period of time to the borrower that would not<div style="display:inline-block;width:5px"> </div>otherwise be granted, the loan is classified as a TDR.<div style="display:inline-block;width:5px"> </div></div><div id="a19389" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">On March 27,<div style="display:inline-block;width:2px"> </div>2020, the Coronavirus Aid,<div style="display:inline-block;width:2px"> </div>Relief, and Economic<div style="display:inline-block;width:2px"> </div>Security Act (“CARES<div style="display:inline-block;width:2px"> </div>Act”) was signed<div style="display:inline-block;width:2px"> </div>by the President </div><div id="a19392" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">of the United<div style="display:inline-block;width:6px"> </div>States. The<div style="display:inline-block;width:5px"> </div>CARES Act<div style="display:inline-block;width:5px"> </div>has certain<div style="display:inline-block;width:5px"> </div>provisions which<div style="display:inline-block;width:5px"> </div>encourage financial<div style="display:inline-block;width:6px"> </div>institutions to<div style="display:inline-block;width:5px"> </div>prudently work<div style="display:inline-block;width:5px"> </div>with </div><div id="a19393" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:429px;">borrowers impacted<div style="display:inline-block;width:6px"> </div>by COVID<div style="display:inline-block;width:1px"> </div>-19. Under<div style="display:inline-block;width:6px"> </div>these provisions,<div style="display:inline-block;width:6px"> </div>modifications<div style="display:inline-block;width:5px"> </div>deemed to<div style="display:inline-block;width:6px"> </div>be COVID<div style="display:inline-block;width:1px"> </div>-19 related<div style="display:inline-block;width:6px"> </div>would not<div style="display:inline-block;width:6px"> </div>be </div><div id="a19398" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:445px;">considered a TDR if the loan was not more than 30 days past<div style="display:inline-block;width:2px"> </div>due as of December 31, 2019. The deferral would need to be </div><div id="a19400" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">executed March<div style="display:inline-block;width:6px"> </div>1, 2020<div style="display:inline-block;width:6px"> </div>and the<div style="display:inline-block;width:6px"> </div>earlier of<div style="display:inline-block;width:6px"> </div>60 days<div style="display:inline-block;width:6px"> </div>after the<div style="display:inline-block;width:6px"> </div>date of<div style="display:inline-block;width:6px"> </div>termination of<div style="display:inline-block;width:6px"> </div>the COVID-19<div style="display:inline-block;width:6px"> </div>national emergency<div style="display:inline-block;width:6px"> </div>or </div><div id="a19403" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:475px;">December<div style="display:inline-block;width:5px"> </div>31, 2020.<div style="display:inline-block;width:6px"> </div>Additional<div style="display:inline-block;width:5px"> </div>legislation<div style="display:inline-block;width:5px"> </div>was passed<div style="display:inline-block;width:6px"> </div>in December<div style="display:inline-block;width:6px"> </div>of 2020<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:5px"> </div>extended<div style="display:inline-block;width:5px"> </div>the TDR<div style="display:inline-block;width:6px"> </div>relief<div style="display:inline-block;width:5px"> </div>to January<div style="display:inline-block;width:6px"> </div>1, </div><div id="a19405" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:491px;">2022. Banking regulators issued similar guidance clarifying that a COVID-19<div style="display:inline-block;width:5px"> </div>related modification should not be considered </div><div id="a19408" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and </div><div id="a19410" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:521px;">considered short-term. See Note 3 “Loans” for additional disclosures<div style="display:inline-block;width:5px"> </div>of loans that were modified and not considered TDR.<div style="display:inline-block;width:5px"> </div></div><div id="a19415" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:552px;">In addition to the<div style="display:inline-block;width:5px"> </div>allowance for the<div style="display:inline-block;width:5px"> </div>pooled portfolios, management<div style="display:inline-block;width:5px"> </div>has developed a separate<div style="display:inline-block;width:5px"> </div>allowance for loans<div style="display:inline-block;width:5px"> </div>that </div><div id="a19418" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:567px;">are identified as<div style="display:inline-block;width:2px"> </div>impaired through a<div style="display:inline-block;width:2px"> </div>TDR. These loans<div style="display:inline-block;width:2px"> </div>are excluded from<div style="display:inline-block;width:2px"> </div>the general<div style="display:inline-block;width:2px"> </div>component of the<div style="display:inline-block;width:2px"> </div>ACL, and a<div style="display:inline-block;width:2px"> </div>separate </div><div id="a19419" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:583px;">reserve is provided under the accounting guidance for loan<div style="display:inline-block;width:2px"> </div>impairment. Residential loans whose terms have been modified </div><div id="a19421" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:598px;">in a TDR are also individually analyzed for estimated impairment. </div><div id="a19424" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:629px;">The Company's charge-off policy<div style="display:inline-block;width:5px"> </div>is to review all impaired loans on a quarterly basis in order to monitor<div style="display:inline-block;width:5px"> </div>the Company's </div><div id="a19431" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:644px;">ability to<div style="display:inline-block;width:6px"> </div>collect<div style="display:inline-block;width:5px"> </div>them<div style="display:inline-block;width:5px"> </div>in full<div style="display:inline-block;width:6px"> </div>at maturity<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:5px"> </div>and/or<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>accordance<div style="display:inline-block;width:5px"> </div>with terms<div style="display:inline-block;width:7px"> </div>of any<div style="display:inline-block;width:6px"> </div>restructurings.<div style="display:inline-block;width:5px"> </div>For<div style="display:inline-block;width:5px"> </div>loans<div style="display:inline-block;width:5px"> </div>which are </div><div id="a19434" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:659px;">collateral dependent,<div style="display:inline-block;width:5px"> </div>or deemed<div style="display:inline-block;width:5px"> </div>to be uncollectible,<div style="display:inline-block;width:6px"> </div>any shortfall<div style="display:inline-block;width:5px"> </div>in the fair<div style="display:inline-block;width:6px"> </div>value of<div style="display:inline-block;width:5px"> </div>the collateral relative<div style="display:inline-block;width:6px"> </div>to the recorded </div><div id="a19436" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:675px;">investment in the loan is charged off.</div></div> <div id="TextBlockContainer435" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19440" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Concentration of Credit Risks </div><div id="a19443" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Credit<div style="display:inline-block;width:5px"> </div>risk<div style="display:inline-block;width:6px"> </div>represents<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>accounting<div style="display:inline-block;width:6px"> </div>loss<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:6px"> </div>would<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>recognized<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>reporting<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:5px"> </div>if<div style="display:inline-block;width:5px"> </div>counterparties<div style="display:inline-block;width:6px"> </div>failed<div style="display:inline-block;width:5px"> </div>to </div><div id="a19444" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">perform as contracted and any collateral or security proved to be insufficient<div style="display:inline-block;width:5px"> </div>to cover the loss. Concentrations of credit risk </div><div id="a19448" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">(whether on or off-balance sheet) arising from financial instruments exist in relation to<div style="display:inline-block;width:2px"> </div>certain groups of customers. A group </div><div id="a19451" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concentration arises when<div style="display:inline-block;width:6px"> </div>a number of<div style="display:inline-block;width:5px"> </div>counterparties have similar<div style="display:inline-block;width:6px"> </div>economic characteristics<div style="display:inline-block;width:5px"> </div>that would cause<div style="display:inline-block;width:5px"> </div>their ability </div><div id="a19453" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">to meet contractual obligations to be similarly affected by changes in economic or other conditions. The Company does not </div><div id="a19454" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">have a significant exposure to any individual customer<div style="display:inline-block;width:5px"> </div>or counterparty. </div><div id="a19457" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">Most of the Company's business activity is with<div style="display:inline-block;width:2px"> </div>customers located within its primary market area, which is<div style="display:inline-block;width:2px"> </div>generally the </div><div id="a19459" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">State of Florida. The Company's loan portfolio is concentrated largely in real estate and commercial loans in South Florida. </div><div id="a19460" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Many of the Company's<div style="display:inline-block;width:5px"> </div>loan customers are<div style="display:inline-block;width:5px"> </div>engaged in real estate<div style="display:inline-block;width:5px"> </div>development. Circumstances,<div style="display:inline-block;width:5px"> </div>which negatively impact </div></div><div id="TextBlockContainer439" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:277px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19482" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">the South Florida real estate industry<div style="display:inline-block;width:2px"> </div>or the South Florida economy, in general, could adversely impact the<div style="display:inline-block;width:2px"> </div>Company's loan </div><div id="a19483" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">portfolio. </div><div id="a19486" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">At December 31,<div style="display:inline-block;width:6px"> </div>2022 and<div style="display:inline-block;width:6px"> </div>2021, the<div style="display:inline-block;width:5px"> </div>Company had<div style="display:inline-block;width:6px"> </div>a concentration<div style="display:inline-block;width:6px"> </div>of risk<div style="display:inline-block;width:6px"> </div>with loans<div style="display:inline-block;width:5px"> </div>outstanding to<div style="display:inline-block;width:6px"> </div>the Company’s </div><div id="a19491" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">top ten lending relationships<div style="display:inline-block;width:5px"> </div>totaling $</div><div id="a19491_40_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:61px;">197.9</div><div id="a19491_45_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:61px;"><div style="display:inline-block;width:4px"> </div>million and $</div><div id="a19491_59_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:342px;top:61px;">156.4</div><div id="a19491_64_60" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:61px;"><div style="display:inline-block;width:4px"> </div>million, respectively.<div style="display:inline-block;width:6px"> </div>At December 31, 2022 and<div style="display:inline-block;width:5px"> </div>2021, this </div><div id="a19507" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">concentration represented </div><div id="a19507_26_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:165px;top:77px;">13.1</div><div id="a19507_30_82" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:191px;top:77px;">%, of<div style="display:inline-block;width:6px"> </div>the net<div style="display:inline-block;width:5px"> </div>loans outstanding.<div style="display:inline-block;width:6px"> </div>For the<div style="display:inline-block;width:5px"> </div>period ended<div style="display:inline-block;width:6px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2022 there<div style="display:inline-block;width:6px"> </div>was </div><div id="a19507_112_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:703px;top:77px;">one</div><div id="a19514" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">commercial real estate loan note with an outstanding balance of $</div><div id="a19514_65_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:392px;top:92px;">20</div><div id="a19514_67_30" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:407px;top:92px;"><div style="display:inline-block;width:4px"> </div>million collateralized by a 1</div><div id="a19515" style="position:absolute;font-family:'Arial';font-size:8.64px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:92px;">st</div><div id="a19516" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:576px;top:92px;"><div style="display:inline-block;width:4px"> </div>lien commercial property </div><div id="a19518" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">located in New York<div style="display:inline-block;width:6px"> </div>State.<div style="display:inline-block;width:4px"> </div></div><div id="a19521" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">At December 31,<div style="display:inline-block;width:6px"> </div>2022, the<div style="display:inline-block;width:5px"> </div>Company also<div style="display:inline-block;width:5px"> </div>had a<div style="display:inline-block;width:5px"> </div>concentration of<div style="display:inline-block;width:6px"> </div>risk with<div style="display:inline-block;width:5px"> </div>loans outstanding<div style="display:inline-block;width:6px"> </div>totaling $</div><div id="a19521_100_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:138px;">88.8</div><div id="a19521_104_12" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:138px;"><div style="display:inline-block;width:4px"> </div>million to </div><div id="a19531" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">foreign banks located<div style="display:inline-block;width:5px"> </div>in Ecuador,<div style="display:inline-block;width:5px"> </div>Dominican Republic, Honduras,<div style="display:inline-block;width:6px"> </div>and El Salvador.<div style="display:inline-block;width:6px"> </div>At December 31, 2021,<div style="display:inline-block;width:6px"> </div>the Company </div><div id="a19539" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">also had a concentration of risk<div style="display:inline-block;width:2px"> </div>with loans outstanding totaling $</div><div id="a19539_66_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:169px;">47.9</div><div id="a19539_70_56" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:169px;"><div style="display:inline-block;width:3px"> </div>million to foreign banks located in<div style="display:inline-block;width:2px"> </div>Ecuador, Honduras, </div><div id="a19546" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">and<div style="display:inline-block;width:8px"> </div>El<div style="display:inline-block;width:8px"> </div>Salvador.<div style="display:inline-block;width:9px"> </div>These<div style="display:inline-block;width:8px"> </div>banks<div style="display:inline-block;width:8px"> </div>maintained<div style="display:inline-block;width:8px"> </div>deposits<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:8px"> </div>right<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>offset<div style="display:inline-block;width:8px"> </div>totaling<div style="display:inline-block;width:8px"> </div>$</div><div id="a19546_80_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:184px;">31.4</div><div id="a19546_84_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:544px;top:184px;"><div style="display:inline-block;width:8px"> </div>million<div style="display:inline-block;width:8px"> </div>and<div style="display:inline-block;width:8px"> </div>$</div><div id="a19546_98_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:635px;top:184px;">28.9</div><div id="a19546_102_12" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:184px;"><div style="display:inline-block;width:8px"> </div>million<div style="display:inline-block;width:8px"> </div>at </div><div id="a19555" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">December 31, 2022 and 2021, respectively. </div><div id="a19564" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:230px;">At various times<div style="display:inline-block;width:5px"> </div>during the year,<div style="display:inline-block;width:5px"> </div>the Company has<div style="display:inline-block;width:5px"> </div>maintained deposits with<div style="display:inline-block;width:5px"> </div>other financial institutions.<div style="display:inline-block;width:5px"> </div>The exposure </div><div id="a19566" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">to the Company<div style="display:inline-block;width:2px"> </div>from these transactions is<div style="display:inline-block;width:2px"> </div>solely dependent upon<div style="display:inline-block;width:2px"> </div>daily balances and the<div style="display:inline-block;width:2px"> </div>financial strength of the<div style="display:inline-block;width:2px"> </div>respective </div><div id="a19567" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">institution.</div></div> 197900000 156400000 0.131 1 20000000 88800000 47900000 31400000 28900000 <div id="TextBlockContainer441" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:232px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19570" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Premises and Equipment, net </div><div id="a19578" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Land is<div style="display:inline-block;width:6px"> </div>carried at<div style="display:inline-block;width:6px"> </div>cost. Premises<div style="display:inline-block;width:6px"> </div>and equipment<div style="display:inline-block;width:6px"> </div>are stated<div style="display:inline-block;width:6px"> </div>at cost<div style="display:inline-block;width:6px"> </div>less accumulated<div style="display:inline-block;width:6px"> </div>depreciation<div style="display:inline-block;width:5px"> </div>and amortization. </div><div id="a19580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Depreciation is computed<div style="display:inline-block;width:5px"> </div>on the straight-line<div style="display:inline-block;width:5px"> </div>method over the<div style="display:inline-block;width:5px"> </div>estimated useful life<div style="display:inline-block;width:5px"> </div>of the asset. Leasehold<div style="display:inline-block;width:6px"> </div>improvements </div><div id="a19583" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">are amortized over the<div style="display:inline-block;width:5px"> </div>remaining term of<div style="display:inline-block;width:5px"> </div>the applicable leases or their<div style="display:inline-block;width:5px"> </div>useful lives, whichever<div style="display:inline-block;width:5px"> </div>is shorter.<div style="display:inline-block;width:5px"> </div>Estimated useful </div><div id="a19585" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">lives of these assets were as follows: </div><div id="a19588" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:108px;">Building<div style="display:inline-block;width:241px"> </div></div><div id="a19588_14_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:108px;">40</div><div id="a19588_16_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:404px;top:108px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19597" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:123px;">Furniture, fixtures and equipment<div style="display:inline-block;width:93px"> </div></div><div id="a19597_35_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:123px;">3</div><div id="a19597_36_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:123px;"><div style="display:inline-block;width:4px"> </div>to </div><div id="a19597_40_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:415px;top:123px;">25</div><div id="a19597_42_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:430px;top:123px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19602" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:138px;">Computer hardware and software<div style="display:inline-block;width:91px"> </div></div><div id="a19602_32_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:389px;top:138px;">3</div><div id="a19602_33_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:138px;"><div style="display:inline-block;width:4px"> </div>to </div><div id="a19602_37_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:415px;top:138px;">5</div><div id="a19602_38_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:422px;top:138px;"><div style="display:inline-block;width:4px"> </div>years </div><div id="a19607" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:101px;top:153px;">Leasehold improvements<div style="display:inline-block;width:140px"> </div>Shorter of life or term of lease </div><div id="a19615" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:184px;">Maintenance<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>repairs<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>charged<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>expense<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>incurred<div style="display:inline-block;width:6px"> </div>while<div style="display:inline-block;width:5px"> </div>improvements<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>betterments<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>capitalized. </div><div id="a19619" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">When items are retired or are<div style="display:inline-block;width:5px"> </div>otherwise disposed of, the related costs<div style="display:inline-block;width:5px"> </div>and accumulated depreciation and<div style="display:inline-block;width:5px"> </div>amortization are </div><div id="a19622" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">removed from the accounts and any resulting gains or losses<div style="display:inline-block;width:5px"> </div>are credited or charged to income.</div></div> P40Y P3Y P25Y P3Y P5Y <div id="TextBlockContainer443" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:154px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19625" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Other Real Estate Owned </div><div id="a19628" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Other real estate<div style="display:inline-block;width:6px"> </div>owned (“OREO”)<div style="display:inline-block;width:5px"> </div>consists of real<div style="display:inline-block;width:6px"> </div>estate property<div style="display:inline-block;width:5px"> </div>acquired through,<div style="display:inline-block;width:5px"> </div>or in lieu<div style="display:inline-block;width:5px"> </div>of, foreclosure<div style="display:inline-block;width:5px"> </div>that are </div><div id="a19630" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">held for sale and are initially recorded at<div style="display:inline-block;width:2px"> </div>the fair value of the property less estimated selling<div style="display:inline-block;width:2px"> </div>costs at the date of foreclosure, </div><div id="a19632" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">establishing a<div style="display:inline-block;width:6px"> </div>new cost<div style="display:inline-block;width:5px"> </div>basis. Subsequent<div style="display:inline-block;width:6px"> </div>to foreclosure,<div style="display:inline-block;width:6px"> </div>valuations are<div style="display:inline-block;width:5px"> </div>periodically performed<div style="display:inline-block;width:6px"> </div>by management<div style="display:inline-block;width:6px"> </div>and the </div><div id="a19634" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">assets are carried at the lower of carrying amount or fair value less cost to sell. Subsequent write-downs are recognized as </div><div id="a19637" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">a valuation allowance with the offset recorded in the Consolidated Statements of Operations. Carrying<div style="display:inline-block;width:2px"> </div>costs are charged to </div><div id="a19638" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">other real estate owned expenses<div style="display:inline-block;width:6px"> </div>in the accompanying Consolidated<div style="display:inline-block;width:5px"> </div>Statements of Operation. Gains<div style="display:inline-block;width:5px"> </div>or losses on sale of </div><div id="a19640" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">OREO<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>recognized<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:6px"> </div>consideration<div style="display:inline-block;width:6px"> </div>has<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>exchanged,<div style="display:inline-block;width:6px"> </div>all<div style="display:inline-block;width:6px"> </div>closing<div style="display:inline-block;width:6px"> </div>conditions<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:6px"> </div>met<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>permanent </div><div id="a19641" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">financing has been arranged.</div></div> <div id="TextBlockContainer445" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:109px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19644" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Bank Owned Life Insurance </div><div id="a19648" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Bank owned<div style="display:inline-block;width:6px"> </div>life insurance<div style="display:inline-block;width:6px"> </div>(“BOLI”) is<div style="display:inline-block;width:5px"> </div>carried at<div style="display:inline-block;width:6px"> </div>the amount<div style="display:inline-block;width:6px"> </div>that could<div style="display:inline-block;width:6px"> </div>be realized<div style="display:inline-block;width:6px"> </div>under the<div style="display:inline-block;width:6px"> </div>contract at<div style="display:inline-block;width:6px"> </div>the balance </div><div id="a19649" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">sheet date, which is typically cash<div style="display:inline-block;width:5px"> </div>surrender value. Changes in cash<div style="display:inline-block;width:5px"> </div>surrender value are recorded<div style="display:inline-block;width:5px"> </div>in non-interest income. </div><div id="a19654" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">At December 31, 2022, the Company maintained BOLI policies with<div style="display:inline-block;width:2px"> </div>five insurance carriers with a combined cash surrender </div><div id="a19670" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>$</div><div id="a19670_10_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:68px;top:77px;">42.8</div><div id="a19670_14_102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:94px;top:77px;"><div style="display:inline-block;width:4px"> </div>million.<div style="display:inline-block;width:7px"> </div>These<div style="display:inline-block;width:7px"> </div>policies<div style="display:inline-block;width:7px"> </div>cover<div style="display:inline-block;width:7px"> </div>certain<div style="display:inline-block;width:7px"> </div>present<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>former<div style="display:inline-block;width:7px"> </div>executives<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:7px"> </div>officers,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:7px"> </div>is<div style="display:inline-block;width:7px"> </div>the </div><div id="a19682" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">beneficiary of these policies.</div></div> 42800000 <div id="TextBlockContainer447" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19685" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Employee 401(k) Plan </div><div id="a19689" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>has<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:7px"> </div>employee<div style="display:inline-block;width:7px"> </div>401(k)<div style="display:inline-block;width:7px"> </div>plan<div style="display:inline-block;width:6px"> </div>covering<div style="display:inline-block;width:7px"> </div>substantially<div style="display:inline-block;width:7px"> </div>all<div style="display:inline-block;width:6px"> </div>eligible<div style="display:inline-block;width:7px"> </div>employees.<div style="display:inline-block;width:7px"> </div>Employee<div style="display:inline-block;width:7px"> </div>401(k)<div style="display:inline-block;width:7px"> </div>plan </div><div id="a19691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">expense is the amount of matching contributions.</div></div> <div id="TextBlockContainer451" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:262px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19714" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Income Taxes </div><div id="a19717" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Income taxes are accounted for under the<div style="display:inline-block;width:5px"> </div>asset and liability method. Deferred tax<div style="display:inline-block;width:5px"> </div>assets and liabilities are recognized </div><div id="a19719" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">for<div style="display:inline-block;width:5px"> </div>the future<div style="display:inline-block;width:6px"> </div>tax consequences<div style="display:inline-block;width:7px"> </div>attributable<div style="display:inline-block;width:5px"> </div>to differences<div style="display:inline-block;width:7px"> </div>between the<div style="display:inline-block;width:6px"> </div>financial<div style="display:inline-block;width:5px"> </div>statement<div style="display:inline-block;width:5px"> </div>carrying<div style="display:inline-block;width:5px"> </div>amounts<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>existing </div><div id="a19720" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">assets and<div style="display:inline-block;width:6px"> </div>liabilities and<div style="display:inline-block;width:6px"> </div>their respective<div style="display:inline-block;width:6px"> </div>tax bases<div style="display:inline-block;width:6px"> </div>and operating<div style="display:inline-block;width:6px"> </div>loss and<div style="display:inline-block;width:6px"> </div>tax credit<div style="display:inline-block;width:6px"> </div>carryforwards. Deferred<div style="display:inline-block;width:6px"> </div>tax assets </div><div id="a19723" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">and<div style="display:inline-block;width:6px"> </div>liabilities<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>measured<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:6px"> </div>enacted<div style="display:inline-block;width:6px"> </div>tax<div style="display:inline-block;width:6px"> </div>rates<div style="display:inline-block;width:6px"> </div>expected<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>apply<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>taxable<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>years<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>which<div style="display:inline-block;width:6px"> </div>those </div><div id="a19724" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">temporary differences are expected to be recovered<div style="display:inline-block;width:5px"> </div>or settled. The effect on deferred tax assets and<div style="display:inline-block;width:5px"> </div>liabilities of a change </div><div id="a19726" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">in tax rates is recognized in income in the period that includes<div style="display:inline-block;width:5px"> </div>the enactment date.<div style="display:inline-block;width:4px"> </div></div><div id="a19729" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">Management is required to<div style="display:inline-block;width:5px"> </div>assess whether a valuation<div style="display:inline-block;width:5px"> </div>allowance should be established<div style="display:inline-block;width:5px"> </div>on the net deferred tax<div style="display:inline-block;width:5px"> </div>asset </div><div id="a19731" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">based on the<div style="display:inline-block;width:5px"> </div>consideration of<div style="display:inline-block;width:5px"> </div>all available evidence<div style="display:inline-block;width:5px"> </div>using a more<div style="display:inline-block;width:5px"> </div>likely than not<div style="display:inline-block;width:5px"> </div>standard. In its<div style="display:inline-block;width:5px"> </div>evaluation, Management </div><div id="a19732" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">considers taxable loss<div style="display:inline-block;width:2px"> </div>carry-back availability, expectation of sufficient taxable<div style="display:inline-block;width:2px"> </div>income, trends in<div style="display:inline-block;width:2px"> </div>earnings, the future<div style="display:inline-block;width:2px"> </div>reversal </div><div id="a19736" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">of temporary differences, and available tax planning<div style="display:inline-block;width:5px"> </div>strategies.<div style="display:inline-block;width:4px"> </div></div><div id="a19739" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">The Company recognizes positions taken<div style="display:inline-block;width:2px"> </div>or expected to be<div style="display:inline-block;width:2px"> </div>taken in a tax<div style="display:inline-block;width:2px"> </div>return in accordance with existing accounting </div><div id="a19743" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">guidance on<div style="display:inline-block;width:5px"> </div>income taxes<div style="display:inline-block;width:5px"> </div>which prescribes<div style="display:inline-block;width:5px"> </div>a recognition threshold<div style="display:inline-block;width:6px"> </div>and measurement<div style="display:inline-block;width:5px"> </div>process. Interest<div style="display:inline-block;width:5px"> </div>and penalties on </div><div id="a19745" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">tax liabilities, if any,<div style="display:inline-block;width:5px"> </div>would be recorded in interest expense and other operating<div style="display:inline-block;width:5px"> </div>noninterest expense, respectively.</div></div> <div id="TextBlockContainer453" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19748" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Impairment of Long-Lived Assets </div><div id="a19753" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company's long-lived<div style="display:inline-block;width:5px"> </div>assets, such as premises<div style="display:inline-block;width:6px"> </div>and equipment, are reviewed<div style="display:inline-block;width:5px"> </div>for impairment whenever<div style="display:inline-block;width:5px"> </div>events or </div><div id="a19759" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">changes in circumstances<div style="display:inline-block;width:6px"> </div>indicate that<div style="display:inline-block;width:5px"> </div>the carrying<div style="display:inline-block;width:5px"> </div>amount of<div style="display:inline-block;width:5px"> </div>an asset may<div style="display:inline-block;width:6px"> </div>not be recoverable.<div style="display:inline-block;width:6px"> </div>Recoverability of<div style="display:inline-block;width:5px"> </div>assets </div><div id="a19760" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">to be held and<div style="display:inline-block;width:2px"> </div>used is measured by a<div style="display:inline-block;width:2px"> </div>comparison of the carrying amount of<div style="display:inline-block;width:2px"> </div>an asset to estimated undiscounted future<div style="display:inline-block;width:2px"> </div>cash </div><div id="a19763" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an </div><div id="a19764" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">impairment charge<div style="display:inline-block;width:6px"> </div>is recognized<div style="display:inline-block;width:6px"> </div>by the<div style="display:inline-block;width:6px"> </div>amount by<div style="display:inline-block;width:6px"> </div>which the<div style="display:inline-block;width:6px"> </div>carrying amount<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:6px"> </div>asset exceeds<div style="display:inline-block;width:6px"> </div>the fair<div style="display:inline-block;width:6px"> </div>value of<div style="display:inline-block;width:6px"> </div>the </div><div id="a19767" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">asset. Assets<div style="display:inline-block;width:6px"> </div>to be<div style="display:inline-block;width:6px"> </div>disposed of<div style="display:inline-block;width:6px"> </div>would be<div style="display:inline-block;width:6px"> </div>separately<div style="display:inline-block;width:5px"> </div>presented in<div style="display:inline-block;width:6px"> </div>the Consolidated<div style="display:inline-block;width:6px"> </div>Balance Sheets<div style="display:inline-block;width:6px"> </div>and reported<div style="display:inline-block;width:6px"> </div>at the </div><div id="a19768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">lower of<div style="display:inline-block;width:6px"> </div>the carrying<div style="display:inline-block;width:5px"> </div>amount or<div style="display:inline-block;width:5px"> </div>fair value<div style="display:inline-block;width:6px"> </div>less costs<div style="display:inline-block;width:6px"> </div>to sell<div style="display:inline-block;width:5px"> </div>and are<div style="display:inline-block;width:6px"> </div>no longer<div style="display:inline-block;width:5px"> </div>depreciated. The<div style="display:inline-block;width:6px"> </div>assets and<div style="display:inline-block;width:6px"> </div>liabilities of<div style="display:inline-block;width:6px"> </div>a </div><div id="a19770" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">disposal group classified as held for<div style="display:inline-block;width:2px"> </div>sale would be presented separately in<div style="display:inline-block;width:2px"> </div>the appropriate asset and liability sections of<div style="display:inline-block;width:2px"> </div>the </div><div id="a19772" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">Consolidated Balance Sheets.</div></div> <div id="TextBlockContainer455" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:124px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Transfer of Financial<div style="display:inline-block;width:5px"> </div>Assets </div><div id="a19783" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Transfers<div style="display:inline-block;width:5px"> </div>of financial assets<div style="display:inline-block;width:5px"> </div>are accounted for<div style="display:inline-block;width:5px"> </div>as sales,<div style="display:inline-block;width:5px"> </div>when control over<div style="display:inline-block;width:5px"> </div>the assets<div style="display:inline-block;width:5px"> </div>has been surrendered.<div style="display:inline-block;width:6px"> </div>Control </div><div id="a19784" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">over<div style="display:inline-block;width:6px"> </div>transferred<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>deemed<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>surrendered<div style="display:inline-block;width:6px"> </div>when<div style="display:inline-block;width:5px"> </div>(i)<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>been<div style="display:inline-block;width:5px"> </div>isolated<div style="display:inline-block;width:6px"> </div>from<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>-<div style="display:inline-block;width:5px"> </div>put </div><div id="a19790" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">presumptively<div style="display:inline-block;width:7px"> </div>beyond<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>reach<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>transferor<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:7px"> </div>creditors,<div style="display:inline-block;width:7px"> </div>even<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:6px"> </div>bankruptcy<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:6px"> </div>other<div style="display:inline-block;width:7px"> </div>receivership,<div style="display:inline-block;width:7px"> </div>(ii)<div style="display:inline-block;width:7px"> </div>the </div><div id="a19792" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">transferee obtains<div style="display:inline-block;width:5px"> </div>the right<div style="display:inline-block;width:5px"> </div>(free of<div style="display:inline-block;width:5px"> </div>conditions that<div style="display:inline-block;width:5px"> </div>constrain it<div style="display:inline-block;width:5px"> </div>from taking<div style="display:inline-block;width:5px"> </div>advantage of<div style="display:inline-block;width:5px"> </div>that right)<div style="display:inline-block;width:5px"> </div>to pledge<div style="display:inline-block;width:5px"> </div>or exchange </div><div id="a19794" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">the transferred<div style="display:inline-block;width:6px"> </div>assets,<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>(iii) the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:5px"> </div>does not<div style="display:inline-block;width:6px"> </div>maintain<div style="display:inline-block;width:5px"> </div>effective<div style="display:inline-block;width:5px"> </div>control<div style="display:inline-block;width:5px"> </div>over the<div style="display:inline-block;width:6px"> </div>transferred<div style="display:inline-block;width:5px"> </div>assets<div style="display:inline-block;width:5px"> </div>through<div style="display:inline-block;width:5px"> </div>an </div><div id="a19799" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">agreement to repurchase them before their maturity or<div style="display:inline-block;width:5px"> </div>the ability to unilaterally cause the holder to return specific<div style="display:inline-block;width:5px"> </div>assets.</div></div> <div id="TextBlockContainer457" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:139px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19802" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Comprehensive Income (Loss) </div><div id="a19805" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Under<div style="display:inline-block;width:6px"> </div>GAAP,<div style="display:inline-block;width:8px"> </div>certain<div style="display:inline-block;width:6px"> </div>changes<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>liabilities,<div style="display:inline-block;width:6px"> </div>such<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>unrealized<div style="display:inline-block;width:6px"> </div>holding<div style="display:inline-block;width:6px"> </div>gains<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>securities </div><div id="a19807" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">available-for-sale, are<div style="display:inline-block;width:6px"> </div>excluded from<div style="display:inline-block;width:6px"> </div>current period<div style="display:inline-block;width:5px"> </div>earnings and<div style="display:inline-block;width:5px"> </div>reported as<div style="display:inline-block;width:6px"> </div>a separate<div style="display:inline-block;width:5px"> </div>component of<div style="display:inline-block;width:6px"> </div>the stockholders’ </div><div id="a19812" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">equity<div style="display:inline-block;width:7px"> </div>section<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:7px"> </div>Consolidated<div style="display:inline-block;width:8px"> </div>Balance<div style="display:inline-block;width:8px"> </div>Sheets,<div style="display:inline-block;width:8px"> </div>such<div style="display:inline-block;width:8px"> </div>items,<div style="display:inline-block;width:8px"> </div>along<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:8px"> </div>net<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:8px"> </div>(loss),<div style="display:inline-block;width:8px"> </div>are<div style="display:inline-block;width:8px"> </div>components<div style="display:inline-block;width:8px"> </div>of </div><div id="a19822" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">comprehensive<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:7px"> </div>(loss).<div style="display:inline-block;width:7px"> </div>Additionally,<div style="display:inline-block;width:7px"> </div>any<div style="display:inline-block;width:6px"> </div>unrealized<div style="display:inline-block;width:7px"> </div>gains<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>transfers<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:6px"> </div>investment<div style="display:inline-block;width:7px"> </div>securities<div style="display:inline-block;width:6px"> </div>from </div><div id="a19823" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">available-for-sale to held-to-maturity are recorded to accumulated other comprehensive<div style="display:inline-block;width:5px"> </div>income on the date of transfer and </div><div id="a19833" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">amortized over the remaining life<div style="display:inline-block;width:5px"> </div>of each security.<div style="display:inline-block;width:5px"> </div>The amortization of the unrealized<div style="display:inline-block;width:5px"> </div>gain or loss on transferred securities </div><div id="a19835" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">is reported as a component of comprehensive income<div style="display:inline-block;width:5px"> </div>(loss). See Note 2 “Investment Securities” for further<div style="display:inline-block;width:5px"> </div>discussion.</div></div> <div id="TextBlockContainer459" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:294px;height:48px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19839" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Advertising Costs </div><div id="a19842" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Advertising costs are expensed as incurred.</div></div> <div id="TextBlockContainer461" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19847" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Earnings per Common Share </div><div id="a19850" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Basic earnings<div style="display:inline-block;width:6px"> </div>per common<div style="display:inline-block;width:6px"> </div>share is<div style="display:inline-block;width:5px"> </div>net income<div style="display:inline-block;width:6px"> </div>available to<div style="display:inline-block;width:5px"> </div>common stockholders<div style="display:inline-block;width:6px"> </div>divided by<div style="display:inline-block;width:5px"> </div>the weighted<div style="display:inline-block;width:6px"> </div>average </div><div id="a19851" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">number<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:7px"> </div>shares<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>during<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>period.<div style="display:inline-block;width:6px"> </div>Diluted<div style="display:inline-block;width:6px"> </div>earnings<div style="display:inline-block;width:6px"> </div>per<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:7px"> </div>share<div style="display:inline-block;width:6px"> </div>included<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>effect<div style="display:inline-block;width:7px"> </div>of </div><div id="a19854" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">additional potential common shares issuable under vested stock options. Basic and diluted earnings per share are updated </div></div><div id="TextBlockContainer465" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19875" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">to reflect the effect of stock splits as occurred. See Note 14 “Earnings Per Share” for additional information on earnings per </div><div id="a19881" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">common share. See Note 13 “Stockholders’ Equity” for further<div style="display:inline-block;width:5px"> </div>discussion on stock splits.</div></div> <div id="TextBlockContainer467" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:671px;height:47px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19887" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Interest Income </div><div id="a19890" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Interest income is recognized as earned, based upon the<div style="display:inline-block;width:5px"> </div>principal amount outstanding, on an accrual basis.</div></div> <div id="TextBlockContainer469" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19895" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Operating Segments </div><div id="a19898" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">While the Company monitors<div style="display:inline-block;width:6px"> </div>the revenue streams<div style="display:inline-block;width:5px"> </div>of the various products<div style="display:inline-block;width:5px"> </div>and services, operations<div style="display:inline-block;width:5px"> </div>are managed and </div><div id="a19902" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">financial performance<div style="display:inline-block;width:5px"> </div>is evaluated on<div style="display:inline-block;width:5px"> </div>a Company wide<div style="display:inline-block;width:6px"> </div>basis. Operating results<div style="display:inline-block;width:6px"> </div>of the individual<div style="display:inline-block;width:5px"> </div>products are<div style="display:inline-block;width:5px"> </div>not used to </div><div id="a19906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">make resource allocations or performance decisions by Company<div style="display:inline-block;width:5px"> </div>management.</div></div> <div id="TextBlockContainer471" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:186px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19912" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Stock-Based Compensation </div><div id="a19917" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Stock based compensation accounting guidance requires<div style="display:inline-block;width:5px"> </div>that the compensation cost relating to share-based payment </div><div id="a19921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">transactions be recognized in the accompanying Consolidated<div style="display:inline-block;width:5px"> </div>Financial Statements. That cost will be measured<div style="display:inline-block;width:5px"> </div>based on </div><div id="a19928" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">the grant<div style="display:inline-block;width:5px"> </div>date fair<div style="display:inline-block;width:5px"> </div>value of<div style="display:inline-block;width:5px"> </div>the equity<div style="display:inline-block;width:5px"> </div>or liability<div style="display:inline-block;width:5px"> </div>instruments issued.<div style="display:inline-block;width:6px"> </div>The stock-based<div style="display:inline-block;width:5px"> </div>compensation accounting<div style="display:inline-block;width:6px"> </div>guidance </div><div id="a19932" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">covers<div style="display:inline-block;width:8px"> </div>a<div style="display:inline-block;width:8px"> </div>wide<div style="display:inline-block;width:8px"> </div>range<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>share-based<div style="display:inline-block;width:8px"> </div>compensation<div style="display:inline-block;width:9px"> </div>arrangements<div style="display:inline-block;width:9px"> </div>including<div style="display:inline-block;width:8px"> </div>stock<div style="display:inline-block;width:9px"> </div>options,<div style="display:inline-block;width:8px"> </div>restricted<div style="display:inline-block;width:9px"> </div>share<div style="display:inline-block;width:8px"> </div>plans, </div><div id="a19935" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">performance-based awards, share appreciation rights, and<div style="display:inline-block;width:5px"> </div>employee share purchase plans. </div><div id="a19940" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">The stock-based compensation accounting guidance<div style="display:inline-block;width:2px"> </div>requires that compensation cost<div style="display:inline-block;width:2px"> </div>for all stock awards<div style="display:inline-block;width:2px"> </div>be calculated </div><div id="a19944" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">and recognized<div style="display:inline-block;width:2px"> </div>over the<div style="display:inline-block;width:2px"> </div>employees' service period,<div style="display:inline-block;width:2px"> </div>generally defined as<div style="display:inline-block;width:2px"> </div>the vesting<div style="display:inline-block;width:2px"> </div>period. For<div style="display:inline-block;width:2px"> </div>awards with graded-vesting, </div><div id="a19947" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">compensation cost<div style="display:inline-block;width:6px"> </div>is recognized<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>a straight-line<div style="display:inline-block;width:6px"> </div>basis over<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>requisite service<div style="display:inline-block;width:6px"> </div>period for<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>entire award.<div style="display:inline-block;width:6px"> </div>A Black-</div><div id="a19952" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">Scholes model is used to estimate the fair value of stock<div style="display:inline-block;width:5px"> </div>options.</div></div> <div id="TextBlockContainer473" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19955" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Loss Contingencies</div><div id="a19958" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Loss<div style="display:inline-block;width:6px"> </div>contingencies,<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>claims<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>legal<div style="display:inline-block;width:6px"> </div>actions<div style="display:inline-block;width:6px"> </div>arising<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>normal<div style="display:inline-block;width:6px"> </div>course<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>business,<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>recorded<div style="display:inline-block;width:6px"> </div>as </div><div id="a19965" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">liabilities when the<div style="display:inline-block;width:2px"> </div>likelihood of loss is<div style="display:inline-block;width:2px"> </div>probable, and an<div style="display:inline-block;width:2px"> </div>amount or range of<div style="display:inline-block;width:2px"> </div>loss can be<div style="display:inline-block;width:2px"> </div>reasonably estimated. In the<div style="display:inline-block;width:2px"> </div>opinion </div><div id="a19970" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">of management, none of these actions, either individually or in the aggregate, is expected to have a material adverse effect </div><div id="a19972" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">on the Company’s Consolidated Financial Statements.<div style="display:inline-block;width:5px"> </div>See Note 18 “Loss Contingencies” for further details.</div></div> <div id="TextBlockContainer475" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19983" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Dividend Restrictions </div><div id="a19986" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Banking<div style="display:inline-block;width:6px"> </div>regulations<div style="display:inline-block;width:6px"> </div>require<div style="display:inline-block;width:6px"> </div>maintaining<div style="display:inline-block;width:6px"> </div>certain<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:6px"> </div>levels<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>limit<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>dividends<div style="display:inline-block;width:6px"> </div>paid<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Bank<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the </div><div id="a19987" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Company or by the Company to the shareholders.</div></div> <div id="TextBlockContainer477" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a19995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Fair Value Measurements </div><div id="a19998" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Fair values<div style="display:inline-block;width:5px"> </div>of financial<div style="display:inline-block;width:5px"> </div>instruments are<div style="display:inline-block;width:6px"> </div>estimated using<div style="display:inline-block;width:5px"> </div>relevant market<div style="display:inline-block;width:6px"> </div>information and<div style="display:inline-block;width:5px"> </div>other assumptions,<div style="display:inline-block;width:6px"> </div>as more </div><div id="a20000" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">fully disclosed in Note<div style="display:inline-block;width:5px"> </div>12 “Fair Value<div style="display:inline-block;width:6px"> </div>Measurements”. Fair value estimates<div style="display:inline-block;width:6px"> </div>involve uncertainties and matters<div style="display:inline-block;width:6px"> </div>of significant </div><div id="a20003" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">judgment. Changes in assumptions or in market conditions<div style="display:inline-block;width:5px"> </div>could significantly affect the estimates.</div></div> <div id="TextBlockContainer479" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:185px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Derivative Instruments </div><div id="a20009" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Derivative financial instruments<div style="display:inline-block;width:2px"> </div>are carried at<div style="display:inline-block;width:2px"> </div>fair value and<div style="display:inline-block;width:2px"> </div>reflect the estimated<div style="display:inline-block;width:2px"> </div>amount that would<div style="display:inline-block;width:2px"> </div>have been received </div><div id="a20013" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">to<div style="display:inline-block;width:6px"> </div>terminate<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>contracts<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>reporting<div style="display:inline-block;width:7px"> </div>date<div style="display:inline-block;width:6px"> </div>based<div style="display:inline-block;width:7px"> </div>upon<div style="display:inline-block;width:6px"> </div>pricing<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:6px"> </div>valuation<div style="display:inline-block;width:7px"> </div>models<div style="display:inline-block;width:7px"> </div>applied<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:7px"> </div>market </div><div id="a20016" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">information. </div><div id="a20019" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>enters<div style="display:inline-block;width:5px"> </div>into<div style="display:inline-block;width:5px"> </div>interest<div style="display:inline-block;width:5px"> </div>rate<div style="display:inline-block;width:5px"> </div>swaps<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>provide<div style="display:inline-block;width:5px"> </div>commercial<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>clients<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>ability<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>swap<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:5px"> </div>a variable </div><div id="a20024" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">interest rate<div style="display:inline-block;width:6px"> </div>to a<div style="display:inline-block;width:6px"> </div>fixed rate.<div style="display:inline-block;width:6px"> </div>The Company<div style="display:inline-block;width:6px"> </div>enter<div style="display:inline-block;width:5px"> </div>into a<div style="display:inline-block;width:6px"> </div>floating-rate<div style="display:inline-block;width:5px"> </div>loan<div style="display:inline-block;width:5px"> </div>with a<div style="display:inline-block;width:6px"> </div>customer<div style="display:inline-block;width:5px"> </div>with a<div style="display:inline-block;width:6px"> </div>separately<div style="display:inline-block;width:5px"> </div>issued swap </div><div id="a20030" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">agreement allowing<div style="display:inline-block;width:6px"> </div>the customer<div style="display:inline-block;width:7px"> </div>to convert<div style="display:inline-block;width:6px"> </div>floating<div style="display:inline-block;width:5px"> </div>payments<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:6px"> </div>loan into<div style="display:inline-block;width:6px"> </div>a fixed<div style="display:inline-block;width:6px"> </div>interest rate.<div style="display:inline-block;width:6px"> </div>To<div style="display:inline-block;width:6px"> </div>mitigate risk,<div style="display:inline-block;width:6px"> </div>the </div><div id="a20032" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">Company will enter into a matching agreement with a<div style="display:inline-block;width:5px"> </div>third party to offset the exposure on the<div style="display:inline-block;width:5px"> </div>customer agreement. These </div><div id="a20035" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">swaps are<div style="display:inline-block;width:6px"> </div>not considered<div style="display:inline-block;width:6px"> </div>to be<div style="display:inline-block;width:6px"> </div>qualified hedging<div style="display:inline-block;width:6px"> </div>transactions and<div style="display:inline-block;width:6px"> </div>the unmatched<div style="display:inline-block;width:6px"> </div>unrealized gain<div style="display:inline-block;width:6px"> </div>or loss<div style="display:inline-block;width:6px"> </div>is recorded<div style="display:inline-block;width:6px"> </div>in </div><div id="a20037" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">other non-interest income.</div></div> <div id="TextBlockContainer483" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:738px;height:139px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20062" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Revenue from Contracts with Customers </div><div id="a20065" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Revenue from contracts<div style="display:inline-block;width:2px"> </div>with customers is<div style="display:inline-block;width:2px"> </div>recognized in an<div style="display:inline-block;width:2px"> </div>amount that<div style="display:inline-block;width:2px"> </div>reflects the consideration<div style="display:inline-block;width:2px"> </div>the Company expects </div><div id="a20069" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">to receive for the<div style="display:inline-block;width:5px"> </div>services the Company<div style="display:inline-block;width:5px"> </div>provides to its<div style="display:inline-block;width:5px"> </div>customers. The main<div style="display:inline-block;width:5px"> </div>revenue earned by<div style="display:inline-block;width:5px"> </div>the Company from<div style="display:inline-block;width:5px"> </div>loans </div><div id="a20077" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">and investment<div style="display:inline-block;width:6px"> </div>securities are<div style="display:inline-block;width:6px"> </div>excluded from<div style="display:inline-block;width:6px"> </div>the accounting<div style="display:inline-block;width:6px"> </div>standard update<div style="display:inline-block;width:6px"> </div>“Revenue from<div style="display:inline-block;width:6px"> </div>Contracts with<div style="display:inline-block;width:5px"> </div>Customers”.<div style="display:inline-block;width:4px"> </div></div><div id="a20078" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">Deposit and<div style="display:inline-block;width:5px"> </div>service charge<div style="display:inline-block;width:5px"> </div>fees, consisting<div style="display:inline-block;width:5px"> </div>of primarily monthly<div style="display:inline-block;width:6px"> </div>maintenance fees,<div style="display:inline-block;width:6px"> </div>wire fees,<div style="display:inline-block;width:5px"> </div>ATM<div style="display:inline-block;width:5px"> </div>interchange fees<div style="display:inline-block;width:5px"> </div>and </div><div id="a20080" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">other transaction-based fees, are the<div style="display:inline-block;width:5px"> </div>most significant types of revenue<div style="display:inline-block;width:5px"> </div>within the accounting standard update.<div style="display:inline-block;width:5px"> </div>Revenue is </div><div id="a20083" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">recognized when the service provided by the<div style="display:inline-block;width:5px"> </div>Company is complete. The aggregate amount<div style="display:inline-block;width:5px"> </div>of revenue within the scope of </div><div id="a20088" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">this standard that is received from sources other than deposit<div style="display:inline-block;width:5px"> </div>service charges and fees is not material.</div></div> <div id="TextBlockContainer485" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:79px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20094" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Cash Flow Statement </div><div id="a20097" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company reports the net activity rather than gross activity in<div style="display:inline-block;width:5px"> </div>the Consolidated Statements<div style="display:inline-block;width:5px"> </div>of Cash Flows. The net </div><div id="a20102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">cash flows<div style="display:inline-block;width:2px"> </div>are reported for<div style="display:inline-block;width:2px"> </div>loans held<div style="display:inline-block;width:2px"> </div>for investment, accrued<div style="display:inline-block;width:2px"> </div>interest receivable, deferred<div style="display:inline-block;width:2px"> </div>tax asset, other<div style="display:inline-block;width:2px"> </div>assets, customer </div><div id="a20104" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:62px;">deposits, accrued interest payable, other liabilities, and proceeds<div style="display:inline-block;width:5px"> </div>from issuance of Class A common shares.</div></div> <div id="TextBlockContainer487" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20108" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Reclassifications </div><div id="a20111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">Certain<div style="display:inline-block;width:9px"> </div>amounts<div style="display:inline-block;width:9px"> </div>in<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:9px"> </div>Consolidated<div style="display:inline-block;width:9px"> </div>Financial<div style="display:inline-block;width:9px"> </div>Statements<div style="display:inline-block;width:9px"> </div>have<div style="display:inline-block;width:8px"> </div>been<div style="display:inline-block;width:9px"> </div>reclassified<div style="display:inline-block;width:9px"> </div>to<div style="display:inline-block;width:8px"> </div>conform<div style="display:inline-block;width:9px"> </div>to<div style="display:inline-block;width:8px"> </div>the<div style="display:inline-block;width:8px"> </div>current </div><div id="a20118" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">presentation. Reclassifications had no impact on the net income<div style="display:inline-block;width:5px"> </div>or stockholders’ equity of the Company.</div></div> <div id="TextBlockContainer489" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:584px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20123" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Recently Issued Accounting Standards – Not Yet<div style="display:inline-block;width:6px"> </div>Adopted </div><div id="a20130" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">Measurement of Credit Losses on Financial Instruments </div><div id="a20133" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:62px;">In June<div style="display:inline-block;width:2px"> </div>2016, the FASB issued<div style="display:inline-block;width:2px"> </div>ASU 2016-13, Financial<div style="display:inline-block;width:2px"> </div>Instruments - Credit<div style="display:inline-block;width:2px"> </div>Losses (Topic 326); Measurement of<div style="display:inline-block;width:2px"> </div>Credit </div><div id="a20142" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”)<div style="display:inline-block;width:5px"> </div>on accounting for current expected </div><div id="a20147" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">credit<div style="display:inline-block;width:5px"> </div>losses<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:6px"> </div>instruments<div style="display:inline-block;width:6px"> </div>(“CECL”)<div style="display:inline-block;width:6px"> </div>will<div style="display:inline-block;width:5px"> </div>replace<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:6px"> </div>probable<div style="display:inline-block;width:6px"> </div>incurred<div style="display:inline-block;width:6px"> </div>loss<div style="display:inline-block;width:6px"> </div>impairment<div style="display:inline-block;width:6px"> </div>methodology </div><div id="a20149" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">under U.S. GAAP<div style="display:inline-block;width:5px"> </div>with a methodology that<div style="display:inline-block;width:5px"> </div>reflects the expected<div style="display:inline-block;width:5px"> </div>credit losses. The<div style="display:inline-block;width:5px"> </div>Update is intended<div style="display:inline-block;width:5px"> </div>to provide financial </div><div id="a20159" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">statement<div style="display:inline-block;width:6px"> </div>users<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:6px"> </div>more<div style="display:inline-block;width:6px"> </div>decision-useful<div style="display:inline-block;width:6px"> </div>information<div style="display:inline-block;width:6px"> </div>about<div style="display:inline-block;width:6px"> </div>expected<div style="display:inline-block;width:6px"> </div>credit<div style="display:inline-block;width:6px"> </div>losses.<div style="display:inline-block;width:6px"> </div>This<div style="display:inline-block;width:6px"> </div>Update<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>applicable<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>the </div><div id="a20168" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">Company<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>a modified<div style="display:inline-block;width:6px"> </div>retrospective<div style="display:inline-block;width:5px"> </div>basis<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>interim<div style="display:inline-block;width:5px"> </div>and annual<div style="display:inline-block;width:6px"> </div>periods<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>fiscal<div style="display:inline-block;width:5px"> </div>years beginning<div style="display:inline-block;width:6px"> </div>after<div style="display:inline-block;width:5px"> </div>December 15, </div><div id="a20175" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:154px;">2022. The Company adopted this<div style="display:inline-block;width:2px"> </div>ASU on January 1, 2023. To date, the Company executed a<div style="display:inline-block;width:2px"> </div>detailed implementation plan </div><div id="a20189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">through the adoption date, implemented a<div style="display:inline-block;width:2px"> </div>software solution to assist with the<div style="display:inline-block;width:2px"> </div>CECL estimation process, and has completed </div><div id="a20193" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">parallel run models, and finished a data gap analysis. </div><div id="a20198" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">The company expects its allowance for credit losses to<div style="display:inline-block;width:2px"> </div>increase in 2023 approximately $</div><div id="a20198_87_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:215px;">1.0</div><div id="a20198_90_13" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:565px;top:215px;"><div style="display:inline-block;width:3px"> </div>million to $</div><div id="a20198_103_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:215px;">2.0</div><div id="a20198_106_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:651px;top:215px;"><div style="display:inline-block;width:3px"> </div>million upon </div><div id="a20212" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">adoption<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>ASU<div style="display:inline-block;width:7px"> </div>2016-13<div style="display:inline-block;width:7px"> </div>compared<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>its<div style="display:inline-block;width:7px"> </div>allowance<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:7px"> </div>losses<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:7px"> </div>December<div style="display:inline-block;width:7px"> </div>31,<div style="display:inline-block;width:7px"> </div>2022.<div style="display:inline-block;width:7px"> </div>Reserve<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>unfunded </div><div id="a20221" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:246px;">commitments will<div style="display:inline-block;width:6px"> </div>also increase<div style="display:inline-block;width:6px"> </div>approximately $</div><div id="a20221_46_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:290px;top:246px;">200</div><div id="a20221_49_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:246px;"><div style="display:inline-block;width:4px"> </div>thousand to<div style="display:inline-block;width:5px"> </div>$</div><div id="a20221_63_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:399px;top:246px;">600</div><div id="a20221_66_54" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:246px;"><div style="display:inline-block;width:5px"> </div>thousand and<div style="display:inline-block;width:5px"> </div>it will<div style="display:inline-block;width:5px"> </div>be recognized<div style="display:inline-block;width:6px"> </div>as a<div style="display:inline-block;width:5px"> </div>liability on </div><div id="a20233" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">the<div style="display:inline-block;width:6px"> </div>Consolidated<div style="display:inline-block;width:7px"> </div>Balance<div style="display:inline-block;width:7px"> </div>Sheet.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>reviewed<div style="display:inline-block;width:7px"> </div>it’s<div style="display:inline-block;width:7px"> </div>held-to-maturity<div style="display:inline-block;width:7px"> </div>debt<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:7px"> </div>allowance<div style="display:inline-block;width:7px"> </div>was </div><div id="a20245" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">deemed immaterial. The Company will<div style="display:inline-block;width:2px"> </div>initially apply the impact of<div style="display:inline-block;width:2px"> </div>the new guidance through<div style="display:inline-block;width:2px"> </div>a cumulative-effect adjustment </div><div id="a20251" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">to retained<div style="display:inline-block;width:7px"> </div>earnings<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>January<div style="display:inline-block;width:5px"> </div>1,<div style="display:inline-block;width:5px"> </div>2023. Future<div style="display:inline-block;width:7px"> </div>adjustments<div style="display:inline-block;width:5px"> </div>to credit<div style="display:inline-block;width:7px"> </div>loss<div style="display:inline-block;width:5px"> </div>expectations<div style="display:inline-block;width:5px"> </div>will be<div style="display:inline-block;width:6px"> </div>recorded<div style="display:inline-block;width:5px"> </div>through<div style="display:inline-block;width:5px"> </div>the </div><div id="a20254" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">income statement as charges or credits to earnings. </div><div id="a20257" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:338px;">The disclosed estimates are subject to further refinement upon finalization of the Company’s review of the calculations, </div><div id="a20259" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">assumptions, methodologies and judgments. Internal controls over financial reporting relating<div style="display:inline-block;width:2px"> </div>to these new processes have </div><div id="a20260" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">been designed<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>implemented<div style="display:inline-block;width:5px"> </div>and are<div style="display:inline-block;width:6px"> </div>being evaluated.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>is<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the final<div style="display:inline-block;width:6px"> </div>stages<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>completing<div style="display:inline-block;width:5px"> </div>the formal </div><div id="a20263" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:384px;">governance<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>approval<div style="display:inline-block;width:5px"> </div>process.<div style="display:inline-block;width:5px"> </div>The<div style="display:inline-block;width:5px"> </div>ongoing<div style="display:inline-block;width:5px"> </div>impact<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company’s<div style="display:inline-block;width:6px"> </div>results<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>operations<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>future<div style="display:inline-block;width:5px"> </div>periods<div style="display:inline-block;width:5px"> </div>will<div style="display:inline-block;width:5px"> </div>be </div><div id="a20264" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:399px;">influenced<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>portfolio<div style="display:inline-block;width:6px"> </div>composition<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>macroeconomic<div style="display:inline-block;width:7px"> </div>conditions<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>forecasts<div style="display:inline-block;width:7px"> </div>at<div style="display:inline-block;width:6px"> </div>each<div style="display:inline-block;width:6px"> </div>reporting<div style="display:inline-block;width:6px"> </div>date. </div><div id="a20267" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">Adoption of<div style="display:inline-block;width:6px"> </div>the standard<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:5px"> </div>first quarter<div style="display:inline-block;width:6px"> </div>of 2023<div style="display:inline-block;width:6px"> </div>is expected<div style="display:inline-block;width:6px"> </div>to result<div style="display:inline-block;width:6px"> </div>in higher<div style="display:inline-block;width:6px"> </div>volatility in<div style="display:inline-block;width:6px"> </div>the quarterly<div style="display:inline-block;width:6px"> </div>provision for </div><div id="a20270" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:430px;">credit losses when compared to the Company’s<div style="display:inline-block;width:5px"> </div>historical results under the incurred loss model. </div><div id="a20273" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:460px;">Troubled Debt Restructurings and<div style="display:inline-block;width:5px"> </div>Vintage Disclosures </div><div id="a20277" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:491px;">In<div style="display:inline-block;width:5px"> </div>March<div style="display:inline-block;width:6px"> </div>2022,<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>FASB<div style="display:inline-block;width:6px"> </div>issued<div style="display:inline-block;width:5px"> </div>ASU<div style="display:inline-block;width:5px"> </div>2022-02,<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:6px"> </div>Instruments<div style="display:inline-block;width:6px"> </div>–<div style="display:inline-block;width:5px"> </div>Credit<div style="display:inline-block;width:6px"> </div>Losses<div style="display:inline-block;width:5px"> </div>(Topic<div style="display:inline-block;width:7px"> </div>326):<div style="display:inline-block;width:5px"> </div>Troubled<div style="display:inline-block;width:6px"> </div>Debt </div><div id="a20285" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:506px;">Restructurings<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>Vintage<div style="display:inline-block;width:5px"> </div>Disclosures.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>accounting<div style="display:inline-block;width:5px"> </div>standard<div style="display:inline-block;width:5px"> </div>eliminates<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>accounting<div style="display:inline-block;width:5px"> </div>guidance<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>troubled<div style="display:inline-block;width:5px"> </div>debt </div><div id="a20292" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:522px;">restructurings<div style="display:inline-block;width:7px"> </div>by<div style="display:inline-block;width:7px"> </div>creditors<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:7px"> </div>ASC<div style="display:inline-block;width:7px"> </div>310-40,<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:7px"> </div>it<div style="display:inline-block;width:6px"> </div>enhances<div style="display:inline-block;width:7px"> </div>disclosure<div style="display:inline-block;width:7px"> </div>requirements<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>some<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:6px"> </div>refinancings<div style="display:inline-block;width:7px"> </div>and </div><div id="a20303" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:537px;">restructurings<div style="display:inline-block;width:7px"> </div>involving<div style="display:inline-block;width:7px"> </div>borrowers<div style="display:inline-block;width:7px"> </div>experiencing<div style="display:inline-block;width:7px"> </div>financial<div style="display:inline-block;width:7px"> </div>difficulty.<div style="display:inline-block;width:8px"> </div>Specifically,<div style="display:inline-block;width:8px"> </div>rather<div style="display:inline-block;width:7px"> </div>than<div style="display:inline-block;width:7px"> </div>applying<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>troubled<div style="display:inline-block;width:7px"> </div>debt </div><div id="a20307" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:552px;">restructuring recognition and measurement guidance,<div style="display:inline-block;width:2px"> </div>creditors will evaluate all<div style="display:inline-block;width:2px"> </div>loan modifications to determine if<div style="display:inline-block;width:2px"> </div>they result </div><div id="a20309" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:568px;">in<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:7px"> </div>new<div style="display:inline-block;width:7px"> </div>loan<div style="display:inline-block;width:7px"> </div>or<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>continuation<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>existing<div style="display:inline-block;width:7px"> </div>loan.<div style="display:inline-block;width:7px"> </div>Losses<div style="display:inline-block;width:7px"> </div>associated<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:7px"> </div>troubled<div style="display:inline-block;width:7px"> </div>debt<div style="display:inline-block;width:7px"> </div>restructurings<div style="display:inline-block;width:7px"> </div>should<div style="display:inline-block;width:7px"> </div>be </div></div><div id="TextBlockContainer493" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20330" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">incorporated in a<div style="display:inline-block;width:5px"> </div>creditor’s estimate of<div style="display:inline-block;width:5px"> </div>its allowance for<div style="display:inline-block;width:5px"> </div>credit losses. Additionally,<div style="display:inline-block;width:6px"> </div>public business entities<div style="display:inline-block;width:5px"> </div>are required to </div><div id="a20332" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">disclose current-period gross write-offs<div style="display:inline-block;width:5px"> </div>by year of origination for loan financing receivables and net investment<div style="display:inline-block;width:5px"> </div>in leases. </div><div id="a20339" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Reference Rate Reform </div><div id="a20343" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">In<div style="display:inline-block;width:6px"> </div>March<div style="display:inline-block;width:6px"> </div>2020,<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>FASB<div style="display:inline-block;width:7px"> </div>issued<div style="display:inline-block;width:6px"> </div>ASU<div style="display:inline-block;width:6px"> </div>2020-04,<div style="display:inline-block;width:6px"> </div>Reference<div style="display:inline-block;width:6px"> </div>Rate<div style="display:inline-block;width:6px"> </div>Reform<div style="display:inline-block;width:6px"> </div>(Topic<div style="display:inline-block;width:7px"> </div>848),<div style="display:inline-block;width:6px"> </div>Facilitation<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Effects<div style="display:inline-block;width:6px"> </div>of </div><div id="a20346" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">Reference Rate Reform<div style="display:inline-block;width:6px"> </div>on Financial Reporting.<div style="display:inline-block;width:5px"> </div>In January 2021,<div style="display:inline-block;width:5px"> </div>the FASB<div style="display:inline-block;width:5px"> </div>clarified the scope<div style="display:inline-block;width:6px"> </div>of this guidance<div style="display:inline-block;width:5px"> </div>with ASU </div><div id="a20347" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">2021-01 which provides<div style="display:inline-block;width:5px"> </div>optional guidance for<div style="display:inline-block;width:5px"> </div>a limited period of<div style="display:inline-block;width:5px"> </div>time to ease the<div style="display:inline-block;width:5px"> </div>burden in accounting for<div style="display:inline-block;width:5px"> </div>(or recognizing </div><div id="a20351" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">the effects<div style="display:inline-block;width:7px"> </div>of) reference<div style="display:inline-block;width:6px"> </div>rate reform<div style="display:inline-block;width:7px"> </div>on financial<div style="display:inline-block;width:6px"> </div>reporting.<div style="display:inline-block;width:5px"> </div>This<div style="display:inline-block;width:5px"> </div>ASU is<div style="display:inline-block;width:6px"> </div>effective<div style="display:inline-block;width:6px"> </div>March 12,<div style="display:inline-block;width:5px"> </div>2020 through<div style="display:inline-block;width:6px"> </div>December 31, </div><div id="a20356" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">2024. The<div style="display:inline-block;width:6px"> </div>Company is<div style="display:inline-block;width:6px"> </div>evaluating the<div style="display:inline-block;width:6px"> </div>impact of<div style="display:inline-block;width:6px"> </div>this ASU<div style="display:inline-block;width:5px"> </div>and has<div style="display:inline-block;width:6px"> </div>not yet<div style="display:inline-block;width:6px"> </div>determined<div style="display:inline-block;width:5px"> </div>whether LIBOR<div style="display:inline-block;width:6px"> </div>transition and<div style="display:inline-block;width:6px"> </div>this </div><div id="a20363" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">ASU will have material effects on our business<div style="display:inline-block;width:5px"> </div>operations and consolidated financial statements.</div></div> 1000000.0 2000000.0 200000 600000 <div id="TextBlockContainer496" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:66px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20366" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">2.<div style="display:inline-block;width:25px"> </div>INVESTMENT SECURITIES<div style="display:inline-block;width:5px"> </div></div><div id="a20372" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The following<div style="display:inline-block;width:5px"> </div>tables present<div style="display:inline-block;width:5px"> </div>a summary<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:5px"> </div>amortized cost,<div style="display:inline-block;width:5px"> </div>unrealized or<div style="display:inline-block;width:5px"> </div>unrecognized gains<div style="display:inline-block;width:5px"> </div>and losses,<div style="display:inline-block;width:5px"> </div>and fair </div><div id="a20387" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">value of investment securities at the dates indicated (in thousands):</div></div><div id="TextBlockContainer506" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:200px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21077" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">For the year<div style="display:inline-block;width:5px"> </div>ended December 31,<div style="display:inline-block;width:5px"> </div>2022, there<div style="display:inline-block;width:5px"> </div>were </div><div id="a21077_49_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:341px;top:0px;-sec-ix-hidden:ID_1412;">26</div><div id="a21077_51_64" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:0px;"><div style="display:inline-block;width:4px"> </div>investment securities<div style="display:inline-block;width:5px"> </div>that were transferred<div style="display:inline-block;width:6px"> </div>from available-for-</div><div id="a21088" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">sale<div style="display:inline-block;width:8px"> </div>(“AFS”)<div style="display:inline-block;width:8px"> </div>to<div style="display:inline-block;width:8px"> </div>held-to-maturity<div style="display:inline-block;width:8px"> </div>(“HTM”)<div style="display:inline-block;width:8px"> </div>with<div style="display:inline-block;width:8px"> </div>an<div style="display:inline-block;width:8px"> </div>amortized<div style="display:inline-block;width:8px"> </div>cost<div style="display:inline-block;width:8px"> </div>basis<div style="display:inline-block;width:8px"> </div>and<div style="display:inline-block;width:8px"> </div>fair<div style="display:inline-block;width:8px"> </div>value<div style="display:inline-block;width:8px"> </div>amount<div style="display:inline-block;width:8px"> </div>of<div style="display:inline-block;width:8px"> </div>$</div><div id="a21088_96_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:15px;">74.4</div><div id="a21088_100_13" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:654px;top:15px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:8px"> </div>and </div><div id="a21106" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">$</div><div id="a21106_1_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:31px;">63.8</div><div id="a21106_5_102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:31px;"><div style="display:inline-block;width:4px"> </div>million, respectively.<div style="display:inline-block;width:7px"> </div>On the<div style="display:inline-block;width:5px"> </div>date of<div style="display:inline-block;width:6px"> </div>transfer,<div style="display:inline-block;width:5px"> </div>these securities<div style="display:inline-block;width:6px"> </div>had a<div style="display:inline-block;width:5px"> </div>total net<div style="display:inline-block;width:6px"> </div>unrealized loss<div style="display:inline-block;width:6px"> </div>of $</div><div id="a21106_107_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:619px;top:31px;">10.6</div><div id="a21106_111_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:31px;"><div style="display:inline-block;width:4px"> </div>million which </div><div id="a21121" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">was included in accumulated other comprehensive income<div style="display:inline-block;width:5px"> </div>(loss).<div style="display:inline-block;width:4px"> </div></div><div id="a21126" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">Transfers of debt securities into the HTM category from the AFS category are made at fair value at the date of transfer. </div><div id="a21133" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">The unrealized gain or loss at the<div style="display:inline-block;width:5px"> </div>date of transfer is retained in<div style="display:inline-block;width:5px"> </div>accumulated other comprehensive income<div style="display:inline-block;width:5px"> </div>(“AOCI”) and in </div><div id="a21140" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">the carrying value of the held-to-maturity securities. Such amounts are<div style="display:inline-block;width:2px"> </div>amortized over the remaining life of the security. For </div><div id="a21147" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">the year<div style="display:inline-block;width:5px"> </div>ended December 31,<div style="display:inline-block;width:5px"> </div>2022, total<div style="display:inline-block;width:5px"> </div>amortization out<div style="display:inline-block;width:5px"> </div>of AOCI<div style="display:inline-block;width:5px"> </div>for the<div style="display:inline-block;width:5px"> </div>net unrealized<div style="display:inline-block;width:5px"> </div>losses on<div style="display:inline-block;width:5px"> </div>securities transferred </div><div id="a21155" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">from AFS to HTM was $</div><div id="a21155_21_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:147px;top:138px;">120</div><div id="a21155_24_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:169px;top:138px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a21155_39_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:138px;">108</div><div id="a21155_42_45" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:287px;top:138px;"><div style="display:inline-block;width:4px"> </div>thousand for year ended December 31, 2021.<div style="display:inline-block;width:5px"> </div></div><div id="a21165" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:169px;">The following<div style="display:inline-block;width:6px"> </div>table presents<div style="display:inline-block;width:6px"> </div>the proceeds,<div style="display:inline-block;width:5px"> </div>realized gross<div style="display:inline-block;width:6px"> </div>gains and<div style="display:inline-block;width:5px"> </div>realized gross<div style="display:inline-block;width:6px"> </div>losses on<div style="display:inline-block;width:5px"> </div>sales and<div style="display:inline-block;width:6px"> </div>calls of<div style="display:inline-block;width:6px"> </div>AFS </div><div id="a21172" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">debt securities for the years ended December 31, 2022 and<div style="display:inline-block;width:5px"> </div>2021 (in thousands):</div></div><div id="TextBlockContainer512" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:62px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21246" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The<div style="display:inline-block;width:6px"> </div>amortized<div style="display:inline-block;width:6px"> </div>cost<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>fair<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>investment<div style="display:inline-block;width:6px"> </div>securities,<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>contractual<div style="display:inline-block;width:6px"> </div>maturity,<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>shown<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>date </div><div id="a21254" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">indicated (in thousands).<div style="display:inline-block;width:5px"> </div>Actual maturities may differ<div style="display:inline-block;width:6px"> </div>from contractual maturities<div style="display:inline-block;width:5px"> </div>because borrowers may have<div style="display:inline-block;width:5px"> </div>the right to </div><div id="a21260" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">call or prepay<div style="display:inline-block;width:2px"> </div>obligations with or without<div style="display:inline-block;width:2px"> </div>call or prepayment penalties.<div style="display:inline-block;width:2px"> </div>Securities not due<div style="display:inline-block;width:2px"> </div>at a single<div style="display:inline-block;width:2px"> </div>maturity date are<div style="display:inline-block;width:2px"> </div>shown </div><div id="a21262" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">separately.</div></div><div id="TextBlockContainer518" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:124px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21515" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">At December 31,<div style="display:inline-block;width:6px"> </div>2022 and<div style="display:inline-block;width:6px"> </div>2021, there<div style="display:inline-block;width:5px"> </div>were no<div style="display:inline-block;width:5px"> </div>securities to<div style="display:inline-block;width:6px"> </div>any one<div style="display:inline-block;width:5px"> </div>issuer,<div style="display:inline-block;width:5px"> </div>in an<div style="display:inline-block;width:5px"> </div>amount greater<div style="display:inline-block;width:6px"> </div>than 10%<div style="display:inline-block;width:5px"> </div>of total </div><div id="a21526" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">stockholders’<div style="display:inline-block;width:4px"> </div>equity other<div style="display:inline-block;width:5px"> </div>than the<div style="display:inline-block;width:5px"> </div>United States<div style="display:inline-block;width:5px"> </div>Government and<div style="display:inline-block;width:5px"> </div>Government Agencies.<div style="display:inline-block;width:6px"> </div>All the collateralized<div style="display:inline-block;width:6px"> </div>mortgage </div><div id="a21530" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">obligations<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>mortgage-backed<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>issued<div style="display:inline-block;width:5px"> </div>by<div style="display:inline-block;width:5px"> </div>United<div style="display:inline-block;width:6px"> </div>States<div style="display:inline-block;width:5px"> </div>sponsored<div style="display:inline-block;width:6px"> </div>entities<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:5px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2022<div style="display:inline-block;width:5px"> </div>and </div><div id="a21544" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">2021. </div><div id="a21549" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">Information pertaining<div style="display:inline-block;width:6px"> </div>to investment<div style="display:inline-block;width:6px"> </div>securities with<div style="display:inline-block;width:6px"> </div>gross unrealized<div style="display:inline-block;width:6px"> </div>losses, aggregated<div style="display:inline-block;width:6px"> </div>by investment<div style="display:inline-block;width:6px"> </div>category and </div><div id="a21553" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">length of<div style="display:inline-block;width:6px"> </div>time that<div style="display:inline-block;width:6px"> </div>those<div style="display:inline-block;width:5px"> </div>individual securities<div style="display:inline-block;width:6px"> </div>have been<div style="display:inline-block;width:6px"> </div>in a<div style="display:inline-block;width:6px"> </div>continuous<div style="display:inline-block;width:5px"> </div>loss position,<div style="display:inline-block;width:6px"> </div>are presented<div style="display:inline-block;width:6px"> </div>as of<div style="display:inline-block;width:6px"> </div>the following </div><div id="a21557" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">dates (in thousands):</div></div><div id="TextBlockContainer528" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22103" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The unrealized losses<div style="display:inline-block;width:5px"> </div>associated with $</div><div id="a22103_39_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:266px;top:0px;">134.7</div><div id="a22103_44_76" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:299px;top:0px;"><div style="display:inline-block;width:4px"> </div>million of investment<div style="display:inline-block;width:5px"> </div>securities transferred from<div style="display:inline-block;width:5px"> </div>the AFS portfolio to the </div><div id="a22109" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">HTM portfolio represent unrealized<div style="display:inline-block;width:5px"> </div>losses since the date of<div style="display:inline-block;width:5px"> </div>purchase, independent of the<div style="display:inline-block;width:5px"> </div>impact associated with changes </div><div id="a22111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">in the cost basis upon transfer between portfolios. </div></div><div id="TextBlockContainer530" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:553px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22134" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The Company performs a review<div style="display:inline-block;width:2px"> </div>of the investments that have<div style="display:inline-block;width:2px"> </div>an unrealized loss to determine whether<div style="display:inline-block;width:2px"> </div>there have been </div><div id="a22138" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">any changes in the<div style="display:inline-block;width:2px"> </div>economic circumstance of the security<div style="display:inline-block;width:2px"> </div>issuer to indicate that<div style="display:inline-block;width:2px"> </div>the unrealized loss is<div style="display:inline-block;width:2px"> </div>impaired on an other-</div><div id="a22141" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">than-temporary (“OTTI”) basis. Management considers several factors in their analysis including (i) severity and duration of </div><div id="a22152" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">the impairment, (ii) credit<div style="display:inline-block;width:5px"> </div>rating of the security<div style="display:inline-block;width:5px"> </div>including any downgrade,<div style="display:inline-block;width:5px"> </div>(iii) intent to sell<div style="display:inline-block;width:5px"> </div>the security,<div style="display:inline-block;width:6px"> </div>or if it is more<div style="display:inline-block;width:6px"> </div>likely </div><div id="a22164" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">than not that it will be required to<div style="display:inline-block;width:5px"> </div>sell the security before recovery<div style="display:inline-block;width:1px"> </div>,<div style="display:inline-block;width:4px"> </div>(iv) whether there have been any<div style="display:inline-block;width:5px"> </div>payment defaults and </div><div id="a22171" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">(v) underlying guarantor of the securities. </div><div id="a22177" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:107px;">At<div style="display:inline-block;width:6px"> </div>December<div style="display:inline-block;width:7px"> </div>31,<div style="display:inline-block;width:6px"> </div>2022,<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>had<div style="display:inline-block;width:6px"> </div>$</div><div id="a22177_39_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:303px;top:107px;">53.7</div><div id="a22177_43_64" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:107px;"><div style="display:inline-block;width:6px"> </div>million<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>unrealized<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>mortgage<div style="display:inline-block;width:6px"> </div>backed<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:6px"> </div>and </div><div id="a22178" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">collateralized<div style="display:inline-block;width:7px"> </div>mortgage<div style="display:inline-block;width:7px"> </div>obligations<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>government<div style="display:inline-block;width:7px"> </div>sponsored<div style="display:inline-block;width:7px"> </div>entities<div style="display:inline-block;width:7px"> </div>having<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>fair<div style="display:inline-block;width:7px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>$</div><div id="a22178_93_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:583px;top:123px;">294.6</div><div id="a22178_98_19" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:123px;"><div style="display:inline-block;width:7px"> </div>million<div style="display:inline-block;width:7px"> </div>that<div style="display:inline-block;width:7px"> </div>were </div><div id="a22181" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">attributable<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>a<div style="display:inline-block;width:7px"> </div>combination<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>factors,<div style="display:inline-block;width:7px"> </div>including<div style="display:inline-block;width:6px"> </div>relative<div style="display:inline-block;width:7px"> </div>changes<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:6px"> </div>interest<div style="display:inline-block;width:7px"> </div>rates<div style="display:inline-block;width:7px"> </div>since<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>time<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>purchase.<div style="display:inline-block;width:6px"> </div>The </div><div id="a22183" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">contractual cash flows<div style="display:inline-block;width:5px"> </div>for these securities<div style="display:inline-block;width:5px"> </div>are guaranteed by<div style="display:inline-block;width:5px"> </div>U.S. government agencies<div style="display:inline-block;width:5px"> </div>and U.S. government<div style="display:inline-block;width:5px"> </div>sponsored </div><div id="a22184" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">entities. The municipal bonds are of high credit<div style="display:inline-block;width:5px"> </div>quality and the declines in fair value are not<div style="display:inline-block;width:5px"> </div>due to credit quality.<div style="display:inline-block;width:6px"> </div>Based on </div><div id="a22186" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">the assessment of<div style="display:inline-block;width:2px"> </div>these mitigating factors, management<div style="display:inline-block;width:2px"> </div>believes that the<div style="display:inline-block;width:2px"> </div>unrealized losses on these<div style="display:inline-block;width:2px"> </div>debt security holdings </div><div id="a22187" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">are a<div style="display:inline-block;width:2px"> </div>function of<div style="display:inline-block;width:2px"> </div>changes in<div style="display:inline-block;width:2px"> </div>investment spreads<div style="display:inline-block;width:2px"> </div>and interest<div style="display:inline-block;width:2px"> </div>rate movements and<div style="display:inline-block;width:2px"> </div>not changes<div style="display:inline-block;width:2px"> </div>in credit<div style="display:inline-block;width:2px"> </div>quality. Management </div><div id="a22189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">expects to recover the entire amortized cost basis of these securities. </div><div id="a22192" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:245px;">At December 31, 2022, the<div style="display:inline-block;width:5px"> </div>Company does not intend to<div style="display:inline-block;width:5px"> </div>sell debt securities that are<div style="display:inline-block;width:5px"> </div>in an unrealized loss position<div style="display:inline-block;width:5px"> </div>and </div><div id="a22194" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">it is not more than likely than not that the Company will be required to sell<div style="display:inline-block;width:2px"> </div>these securities before recovery of the amortized </div><div id="a22196" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:276px;">cost basis. Therefore,<div style="display:inline-block;width:5px"> </div>management does<div style="display:inline-block;width:5px"> </div>not consider any<div style="display:inline-block;width:5px"> </div>investment to be<div style="display:inline-block;width:5px"> </div>other than temporarily<div style="display:inline-block;width:6px"> </div>impaired at December </div><div id="a22198" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:291px;">31, 2022. </div><div id="a22201" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:322px;">As of December 31, 2022, the Company maintains a master repurchase agreement with a public banking institution for </div><div id="a22211" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:337px;">up<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>$</div><div id="a22211_7_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:49px;top:337px;">20.0</div><div id="a22211_11_105" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:75px;top:337px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:6px"> </div>fully<div style="display:inline-block;width:6px"> </div>guaranteed<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:6px"> </div>investment<div style="display:inline-block;width:6px"> </div>securities<div style="display:inline-block;width:6px"> </div>upon<div style="display:inline-block;width:6px"> </div>withdrawal.<div style="display:inline-block;width:6px"> </div>Any<div style="display:inline-block;width:6px"> </div>amounts<div style="display:inline-block;width:6px"> </div>borrowed<div style="display:inline-block;width:6px"> </div>would<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:6px"> </div>a </div><div id="a22217" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:353px;">variable interest rate<div style="display:inline-block;width:5px"> </div>based on prevailing<div style="display:inline-block;width:5px"> </div>rates at the<div style="display:inline-block;width:5px"> </div>time funding is<div style="display:inline-block;width:5px"> </div>requested. At<div style="display:inline-block;width:5px"> </div>December 31, 2022, the<div style="display:inline-block;width:6px"> </div>Company did </div><div id="a22225" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:368px;">no</div><div id="a22225_2_52" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:20px;top:368px;">t have any securities pledged under this agreement. </div><div id="a22228" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">In 2018, the Company became a Qualified Public Depositor (“QPD”) with the State of Florida. As a QPD, the Company </div><div id="a22238" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:414px;">has the<div style="display:inline-block;width:2px"> </div>authority to<div style="display:inline-block;width:2px"> </div>legally maintain public<div style="display:inline-block;width:2px"> </div>deposits from cities,<div style="display:inline-block;width:2px"> </div>municipalities, and the<div style="display:inline-block;width:2px"> </div>State of Florida.<div style="display:inline-block;width:1px"> </div>These public deposits </div><div id="a22240" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:429px;">are secured by securities<div style="display:inline-block;width:6px"> </div>pledged to the<div style="display:inline-block;width:5px"> </div>State of Florida<div style="display:inline-block;width:5px"> </div>at a ratio of </div><div id="a22240_72_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:429px;">25</div><div id="a22240_74_49" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:430px;top:429px;">% of the<div style="display:inline-block;width:5px"> </div>average outstanding uninsured<div style="display:inline-block;width:5px"> </div>deposits. </div><div id="a22246" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:445px;">The Company must also maintain a minimum<div style="display:inline-block;width:5px"> </div>amount of pledged securities to be in the program. </div><div id="a22252" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:475px;">At December 31, 2022,<div style="display:inline-block;width:5px"> </div>the Company had </div><div id="a22252_38_8" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:281px;top:475px;">eighteen</div><div id="a22252_46_34" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:332px;top:475px;"><div style="display:inline-block;width:4px"> </div>securities with a<div style="display:inline-block;width:5px"> </div>fair value of<div style="display:inline-block;width:5px"> </div>$</div><div id="a22252_80_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:475px;">49.0</div><div id="a22252_84_33" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:475px;"><div style="display:inline-block;width:4px"> </div>million pledged to<div style="display:inline-block;width:5px"> </div>the State of </div><div id="a22269" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:491px;">Florida under the public funds program. The Company<div style="display:inline-block;width:5px"> </div>held a total of $</div><div id="a22269_69_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:420px;top:491px;">204.2</div><div id="a22269_74_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:491px;"><div style="display:inline-block;width:4px"> </div>million in public funds at December 31, 2022. </div><div id="a22285" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:521px;">At December<div style="display:inline-block;width:6px"> </div>31, 2021,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>had </div><div id="a22285_38_6" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:285px;top:521px;">eleven</div><div id="a22285_44_34" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:325px;top:521px;"><div style="display:inline-block;width:5px"> </div>securities<div style="display:inline-block;width:5px"> </div>with a<div style="display:inline-block;width:5px"> </div>fair value<div style="display:inline-block;width:6px"> </div>of $</div><div id="a22285_78_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:514px;top:521px;">20.4</div><div id="a22285_82_33" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:521px;"><div style="display:inline-block;width:5px"> </div>million pledged<div style="display:inline-block;width:6px"> </div>to the<div style="display:inline-block;width:6px"> </div>State of </div><div id="a22289" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:537px;">Florida under the public funds program. The Company<div style="display:inline-block;width:5px"> </div>held a total of $</div><div id="a22289_69_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:420px;top:537px;">37.3</div><div id="a22289_73_46" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:446px;top:537px;"><div style="display:inline-block;width:4px"> </div>million in public funds at December 31, 2021.</div></div><div id="TextBlockContainer500" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:308px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_498_XBRL_TS_420cac5489f346f7b33f2d6683afa6f3" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer499" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:308px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:495px;top:0px;">December 31, 2022 </div><div id="a20404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:34px;">Available-for-sale: </div><div id="a20410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:376px;top:20px;">Amortized </div><div id="a20411" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:392px;top:34px;">Cost </div><div id="a20414" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:20px;">Unrealized </div><div id="a20415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:480px;top:34px;">Gains </div><div id="a20418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:20px;">Unrealized </div><div id="a20419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:568px;top:34px;">Losses </div><div id="a20422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:652px;top:34px;">Fair Value </div><div id="a20424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">U.S. Government Agency </div><div id="a20426" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:50px;">$ </div><div id="a20428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:48px;">10,177</div><div id="a20431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:50px;">$ </div><div id="a20433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:48px;-sec-ix-hidden:ID_1395;">-</div><div id="a20436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:50px;">$ </div><div id="a20438" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:48px;display:flex;">(1,522)</div><div id="a20441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:50px;">$ </div><div id="a20443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">8,655</div><div id="a20445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Collateralized mortgage obligations </div><div id="a20448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:64px;">118,951</div><div id="a20452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:64px;-sec-ix-hidden:ID_850;">-</div><div id="a20456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:64px;display:flex;">(23,410)</div><div id="a20460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:64px;">95,541</div><div id="a20462" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:82px;">Mortgage-backed securities - Residential </div><div id="a20470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:80px;">73,838</div><div id="a20474" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:80px;-sec-ix-hidden:ID_851;">-</div><div id="a20478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:80px;display:flex;">(12,959)</div><div id="a20482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:80px;">60,879</div><div id="a20484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:98px;">Mortgage-backed securities - Commercial </div><div id="a20492" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:96px;">32,244</div><div id="a20496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:96px;">15</div><div id="a20500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:96px;display:flex;">(4,305)</div><div id="a20504" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:96px;">27,954</div><div id="a20506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:114px;">Municipal securities </div><div id="a20509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:112px;">25,084</div><div id="a20513" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:112px;-sec-ix-hidden:ID_853;">-</div><div id="a20517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:112px;display:flex;">(6,601)</div><div id="a20521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:112px;">18,483</div><div id="a20523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Bank subordinated debt securities </div><div id="a20526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:128px;">15,964</div><div id="a20530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:530px;top:128px;">5</div><div id="a20534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:128px;display:flex;">(1,050)</div><div id="a20538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:128px;">14,919</div><div id="a20540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:146px;">Corporate bonds </div><div id="a20543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:144px;">4,037</div><div id="a20547" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:144px;-sec-ix-hidden:ID_855;">-</div><div id="a20551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:144px;display:flex;">(328)</div><div id="a20555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:144px;">3,709</div><div id="a20558" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:163px;">$ </div><div id="a20560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:163px;">280,295</div><div id="a20563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:163px;">$ </div><div id="a20565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:163px;">20</div><div id="a20568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:163px;">$ </div><div id="a20570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:163px;display:flex;">(50,175)</div><div id="a20573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:163px;">$ </div><div id="a20575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">230,140</div><div id="a20577" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:180px;">Held-to-maturity: </div><div id="a20594" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:195px;">U.S. Government Agency </div><div id="a20596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:196px;">$ </div><div id="a20598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:194px;">44,914</div><div id="a20601" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:196px;">$ </div><div id="a20603" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:194px;">25</div><div id="a20606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:196px;">$ </div><div id="a20608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:194px;display:flex;">(5,877)</div><div id="a20611" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:196px;">$ </div><div id="a20613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:194px;">39,062</div><div id="a20615" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">U.S. Treasury </div><div id="a20618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:210px;">9,841</div><div id="a20622" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:210px;-sec-ix-hidden:ID_876;">-</div><div id="a20626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:611px;top:210px;display:flex;">(13)</div><div id="a20630" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:210px;">9,828</div><div id="a20632" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:227px;">Collateralized mortgage obligations </div><div id="a20635" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:226px;">68,727</div><div id="a20639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:226px;">28</div><div id="a20643" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:226px;display:flex;">(7,830)</div><div id="a20647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:226px;">60,925</div><div id="a20649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:243px;">Mortgage-backed securities - Residential </div><div id="a20657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:242px;">42,685</div><div id="a20661" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:242px;">372</div><div id="a20665" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:242px;display:flex;">(4,574)</div><div id="a20669" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:242px;">38,483</div><div id="a20671" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:258px;">Mortgage-backed securities - Commercial </div><div id="a20679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:258px;">11,442</div><div id="a20683" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:258px;-sec-ix-hidden:ID_879;">-</div><div id="a20687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:258px;display:flex;">(665)</div><div id="a20691" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:258px;">10,777</div><div id="a20693" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:275px;">Corporate bonds </div><div id="a20696" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:274px;">11,090</div><div id="a20700" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:274px;-sec-ix-hidden:ID_880;">-</div><div id="a20704" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:274px;display:flex;">(1,077)</div><div id="a20708" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:274px;">10,013</div><div id="a20711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:294px;">$ </div><div id="a20713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:294px;">188,699</div><div id="a20716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:294px;">$ </div><div id="a20718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:294px;">425</div><div id="a20721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:294px;">$ </div><div id="a20723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:294px;display:flex;">(20,036)</div><div id="a20726" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:294px;">$ </div><div id="a20728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:294px;">169,088</div></div></div></div><div id="TextBlockContainer504" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:717px;height:292px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_502_XBRL_TS_a13d312abd374c7fa1f2849885c86c1a" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer503" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:717px;height:292px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:492px;top:0px;">December 31, 2021 </div><div id="a20755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:34px;">Available-for-sale: </div><div id="a20761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:20px;">Amortized </div><div id="a20762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:389px;top:34px;">Cost </div><div id="a20765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:464px;top:20px;">Unrealized </div><div id="a20766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:478px;top:34px;">Gains </div><div id="a20769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:556px;top:20px;">Unrealized </div><div id="a20770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:566px;top:34px;">Losses </div><div id="a20773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:650px;top:34px;">Fair Value </div><div id="a20775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">U.S. Government Agency </div><div id="a20777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:50px;">$ </div><div id="a20779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:48px;">10,564</div><div id="a20782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:50px;">$ </div><div id="a20784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:48px;">6</div><div id="a20787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:50px;">$ </div><div id="a20789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:48px;display:flex;">(50)</div><div id="a20792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:50px;">$ </div><div id="a20794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:48px;">10,520</div><div id="a20796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Collateralized mortgage obligations </div><div id="a20799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:64px;">160,506</div><div id="a20803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:64px;">22</div><div id="a20807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:64px;display:flex;">(3,699)</div><div id="a20811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:64px;">156,829</div><div id="a20813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:82px;">Mortgage-backed securities - Residential </div><div id="a20821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:80px;">120,643</div><div id="a20825" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:80px;">228</div><div id="a20829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:80px;display:flex;">(2,029)</div><div id="a20833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:80px;">118,842</div><div id="a20835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:98px;">Mortgage-backed securities - Commercial </div><div id="a20843" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:96px;">49,905</div><div id="a20847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:96px;">820</div><div id="a20851" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:96px;display:flex;">(608)</div><div id="a20855" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:96px;">50,117</div><div id="a20857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:114px;">Municipal securities </div><div id="a20860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:112px;">25,164</div><div id="a20864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:112px;">6</div><div id="a20868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:112px;display:flex;">(894)</div><div id="a20872" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:112px;">24,276</div><div id="a20874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Bank subordinated debt securities </div><div id="a20877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:128px;">27,003</div><div id="a20881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:501px;top:128px;">1,418</div><div id="a20885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:128px;display:flex;">(13)</div><div id="a20889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:128px;">28,408</div><div id="a20891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:146px;">Corporate bonds </div><div id="a20894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:144px;">12,068</div><div id="a20898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:144px;">482</div><div id="a20902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:619px;top:144px;-sec-ix-hidden:ID_912;">-</div><div id="a20906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:144px;">12,550</div><div id="a20909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:163px;">$ </div><div id="a20911" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:163px;">405,853</div><div id="a20914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:163px;">$ </div><div id="a20916" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:501px;top:163px;">2,982</div><div id="a20919" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:163px;">$ </div><div id="a20921" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:163px;display:flex;">(7,293)</div><div id="a20924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:163px;">$ </div><div id="a20926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:163px;">401,542</div><div id="a20928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:180px;">Held-to-maturity: </div><div id="a20945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:195px;">U.S. Government Agency </div><div id="a20947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:196px;">$ </div><div id="a20949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:194px;">34,505</div><div id="a20952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:196px;">$ </div><div id="a20954" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:194px;">14</div><div id="a20957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:196px;">$ </div><div id="a20959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:194px;display:flex;">(615)</div><div id="a20962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:196px;">$ </div><div id="a20964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:194px;">33,904</div><div id="a20966" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">Collateralized mortgage obligations </div><div id="a20969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:210px;">44,820</div><div id="a20973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:210px;-sec-ix-hidden:ID_1379;">-</div><div id="a20977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:210px;display:flex;">(1,021)</div><div id="a20981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:210px;">43,799</div><div id="a20983" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:227px;">Mortgage-backed securities - Residential </div><div id="a20991" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:226px;">26,920</div><div id="a20995" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:226px;-sec-ix-hidden:ID_1383;">-</div><div id="a20999" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:226px;display:flex;">(568)</div><div id="a21003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:226px;">26,352</div><div id="a21005" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:242px;">Mortgage-backed securities - Commercial </div><div id="a21013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:409px;top:242px;">3,103</div><div id="a21017" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:242px;-sec-ix-hidden:ID_1387;">-</div><div id="a21021" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:242px;display:flex;">(90)</div><div id="a21025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:685px;top:242px;">3,013</div><div id="a21027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:259px;">Corporate bonds </div><div id="a21030" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:258px;">13,310</div><div id="a21034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:258px;-sec-ix-hidden:ID_1391;">-</div><div id="a21038" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:258px;display:flex;">(221)</div><div id="a21042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:258px;">13,089</div><div id="a21045" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:278px;">$ </div><div id="a21047" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:278px;">122,658</div><div id="a21050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:278px;">$ </div><div id="a21052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:278px;">14</div><div id="a21055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:278px;">$ </div><div id="a21057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:278px;display:flex;">(2,515)</div><div id="a21060" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:278px;">$ </div><div id="a21062" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:278px;">120,157</div></div></div></div><div id="TextBlockContainer510" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_508_XBRL_TS_aada563d731747ccb1872dd687f433d7" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer509" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:0px;">Available-for-sale: </div><div id="a21192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a21195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a21197" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Proceeds from sales and call of securities </div><div id="a21199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:16px;">$ </div><div id="a21201" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:567px;top:16px;">60,649</div><div id="a21204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:16px;">$ </div><div id="a21206" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:16px;">51,974</div><div id="a21214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Gross Gains </div><div id="a21216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:48px;">$ </div><div id="a21218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:48px;">217</div><div id="a21221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:48px;">$ </div><div id="a21223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:48px;">545</div><div id="a21225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Gross Losses </div><div id="a21228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:64px;display:flex;">(2,746)</div><div id="a21232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:64px;display:flex;">(331)</div><div id="a21234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Net realized gains (losses) </div><div id="a21236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:81px;">$ </div><div id="a21238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:81px;display:flex;">(2,529)</div><div id="a21241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:81px;">$ </div><div id="a21243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">214</div></div></div></div><div id="TextBlockContainer516" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:210px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_514_XBRL_TS_161720aeed8149c7b1d6a5238056f6cb" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer515" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:210px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21288" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:416px;top:0px;">Available-for-sale </div><div id="a21295" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:594px;top:0px;">Held-to-maturity </div><div id="a21301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:33px;">December 31, 2022: </div><div id="a21304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:393px;top:19px;">Amortized </div><div id="a21305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:409px;top:33px;">Cost </div><div id="a21308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:33px;">Fair Value </div><div id="a21311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:567px;top:19px;">Amortized </div><div id="a21312" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:583px;top:33px;">Cost </div><div id="a21315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:33px;">Fair Value </div><div id="a21317" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Due within one year </div><div id="a21320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:49px;">$ </div><div id="a21322" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:49px;-sec-ix-hidden:ID_747;">-</div><div id="a21325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:49px;">$ </div><div id="a21327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:49px;-sec-ix-hidden:ID_752;">-</div><div id="a21330" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:49px;">$ </div><div id="a21332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:49px;">1,515</div><div id="a21335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:49px;">$ </div><div id="a21337" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:49px;">1,475</div><div id="a21339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Due after one year through five years </div><div id="a21343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:65px;">4,037</div><div id="a21347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:65px;">3,709</div><div id="a21351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:65px;">9,575</div><div id="a21355" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:65px;">8,539</div><div id="a21357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Due after five years through ten years </div><div id="a21361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:81px;">16,964</div><div id="a21365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:81px;">15,722</div><div id="a21369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:630px;top:81px;">- </div><div id="a21373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:81px;">- </div><div id="a21375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:96px;">Due after ten years </div><div id="a21379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:97px;">24,084</div><div id="a21383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:97px;">17,680</div><div id="a21387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:630px;top:97px;">- </div><div id="a21391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:97px;">- </div><div id="a21393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:112px;">U.S. Government Agency </div><div id="a21397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:113px;">10,177</div><div id="a21401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:113px;">8,655</div><div id="a21405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:113px;">44,914</div><div id="a21409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:113px;">39,061</div><div id="a21411" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">U.S. Treasury </div><div id="a21415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:129px;">- </div><div id="a21419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:129px;">- </div><div id="a21423" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:129px;">9,841</div><div id="a21427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:129px;">9,828</div><div id="a21429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:144px;">Collateralized mortgage obligations </div><div id="a21433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:416px;top:145px;">118,951</div><div id="a21437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:145px;">95,541</div><div id="a21441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:145px;">68,727</div><div id="a21445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:145px;">60,925</div><div id="a21447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:160px;">Mortgage-backed securities - Residential<div style="display:inline-block;width:3px"> </div></div><div id="a21456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:161px;">73,838</div><div id="a21460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:161px;">60,879</div><div id="a21464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:161px;">42,685</div><div id="a21468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:161px;">38,483</div><div id="a21470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Mortgage-backed securities - Commercial<div style="display:inline-block;width:3px"> </div></div><div id="a21479" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:177px;">32,244</div><div id="a21483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:177px;">27,954</div><div id="a21487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:177px;">11,442</div><div id="a21491" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:177px;">10,777</div><div id="a21495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:194px;">$ </div><div id="a21497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:416px;top:194px;">280,295</div><div id="a21500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:194px;">$ </div><div id="a21502" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:503px;top:194px;">230,140</div><div id="a21505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:194px;">$ </div><div id="a21507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:194px;">188,699</div><div id="a21510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:194px;">$ </div><div id="a21512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">169,088</div></div></div></div><div id="TextBlockContainer522" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:727px;height:233px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_520_XBRL_TS_4f4af41a910543b88be959bbc064c37c" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer521" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:727px;height:233px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:0px;">December 31, 2022 </div><div id="a21569" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:231px;top:17px;">Less than 12 months </div><div id="a21572" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:17px;">12 months or more </div><div id="a21575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:629px;top:17px;">Total </div><div id="a21578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:218px;top:48px;">Fair Value </div><div id="a21581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:305px;top:35px;">Unrealized </div><div id="a21582" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:314px;top:48px;">Losses </div><div id="a21585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:395px;top:48px;">Fair Value </div><div id="a21588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:35px;">Unrealized </div><div id="a21589" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:491px;top:48px;">Losses </div><div id="a21592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:48px;">Fair Value </div><div id="a21595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:657px;top:35px;">Unrealized </div><div id="a21596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:48px;">Losses </div><div id="a21598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">U.S. Government Agency </div><div id="a21600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:215px;top:66px;">$ </div><div id="a21602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:66px;">11,407</div><div id="a21606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:66px;display:flex;">(1,093)</div><div id="a21610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:66px;">36,310</div><div id="a21614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:66px;display:flex;">(7,616)</div><div id="a21617" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:568px;top:66px;">$ </div><div id="a21619" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:66px;">47,717</div><div id="a21622" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:66px;">$ </div><div id="a21624" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:66px;display:flex;">(8,709)</div><div id="a21626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:81px;">U.S. Treasury </div><div id="a21629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:82px;">9,828</div><div id="a21633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:82px;display:flex;">(13)</div><div id="a21637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:447px;top:82px;-sec-ix-hidden:ID_1425;">-</div><div id="a21641" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:82px;-sec-ix-hidden:ID_1426;">-</div><div id="a21645" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:82px;">9,828</div><div id="a21648" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:82px;">$ </div><div id="a21650" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:698px;top:82px;display:flex;">(13)</div><div id="a21652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Collateralized mortgage obligations </div><div id="a21655" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:98px;">16,500</div><div id="a21659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:98px;display:flex;">(963)</div><div id="a21663" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:98px;">139,965</div><div id="a21667" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:98px;display:flex;">(34,962)</div><div id="a21671" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:98px;">156,465</div><div id="a21674" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:98px;">$ </div><div id="a21676" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:98px;display:flex;">(35,925)</div><div id="a21678" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:112px;">Mortgage-backed securities - </div><div id="a21683" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Residential </div><div id="a21686" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:125px;">5,059</div><div id="a21690" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:125px;display:flex;">(564)</div><div id="a21694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:125px;">91,742</div><div id="a21698" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:125px;display:flex;">(19,348)</div><div id="a21702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:125px;">96,801</div><div id="a21705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:125px;">$ </div><div id="a21707" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:125px;display:flex;">(19,912)</div><div id="a21709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:139px;">Mortgage-backed securities - </div><div id="a21714" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:153px;">Commercial </div><div id="a21717" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:153px;">10,052</div><div id="a21721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:153px;display:flex;">(1,173)</div><div id="a21725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:153px;">26,823</div><div id="a21729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:153px;display:flex;">(5,300)</div><div id="a21733" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:153px;">36,875</div><div id="a21736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:153px;">$ </div><div id="a21738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:153px;display:flex;">(6,473)</div><div id="a21740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:168px;">Municipal securities<div style="display:inline-block;width:3px"> </div></div><div id="a21743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:271px;top:169px;-sec-ix-hidden:ID_777;">-</div><div id="a21747" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:359px;top:169px;-sec-ix-hidden:ID_782;">-</div><div id="a21751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:169px;">18,483</div><div id="a21755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:169px;display:flex;">(6,601)</div><div id="a21759" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:169px;">18,483</div><div id="a21762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:169px;">$ </div><div id="a21764" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:169px;display:flex;">(6,601)</div><div id="a21766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:184px;">Bank subordinated debt securities </div><div id="a21769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:185px;">11,295</div><div id="a21773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:185px;display:flex;">(670)</div><div id="a21777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:185px;">2,619</div><div id="a21781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:515px;top:185px;display:flex;">(381)</div><div id="a21785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:185px;">13,914</div><div id="a21788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:185px;">$ </div><div id="a21790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:185px;display:flex;">(1,051)</div><div id="a21792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:200px;">Corporate bonds </div><div id="a21795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:201px;">13,723</div><div id="a21799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:201px;display:flex;">(926)</div><div id="a21803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:447px;top:201px;-sec-ix-hidden:ID_1433;">-</div><div id="a21807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:201px;-sec-ix-hidden:ID_1434;">-</div><div id="a21811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:201px;">13,723</div><div id="a21814" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:201px;">$ </div><div id="a21816" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:201px;display:flex;">(926)</div><div id="a21819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:215px;top:219px;">$ </div><div id="a21821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:219px;">77,864</div><div id="a21824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:303px;top:219px;">$ </div><div id="a21826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:219px;display:flex;">(5,402)</div><div id="a21829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:392px;top:219px;">$ </div><div id="a21831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:219px;">315,942</div><div id="a21834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:480px;top:219px;">$ </div><div id="a21836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:219px;display:flex;">(74,208)</div><div id="a21839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:568px;top:219px;">$ </div><div id="a21841" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:219px;">393,806</div><div id="a21844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:219px;">$ </div><div id="a21846" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:219px;display:flex;">(79,610)</div></div></div></div><div id="TextBlockContainer525" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:201px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:417px;top:0px;">December 31, 2021 </div><div id="a21871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:236px;top:17px;">Less than 12 months </div><div id="a21874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:417px;top:17px;">12 months or more </div><div id="a21877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:632px;top:17px;">Total </div><div id="a21880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:224px;top:48px;">Fair Value </div><div id="a21883" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:309px;top:35px;">Unrealized </div><div id="a21884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:319px;top:48px;">Losses </div><div id="a21887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:399px;top:48px;">Fair Value </div><div id="a21890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:485px;top:35px;">Unrealized </div><div id="a21891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:495px;top:48px;">Losses </div><div id="a21894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:574px;top:48px;">Fair Value </div><div id="a21897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:660px;top:35px;">Unrealized </div><div id="a21898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:48px;">Losses </div><div id="a21900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">U.S. Government Agency </div><div id="a21902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:218px;top:65px;">$ </div><div id="a21904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:65px;">25,951</div><div id="a21907" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:306px;top:65px;">$ </div><div id="a21909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:65px;display:flex;">(254)</div><div id="a21912" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:65px;">$ </div><div id="a21914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:65px;">15,477</div><div id="a21917" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:481px;top:65px;">$ </div><div id="a21919" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:65px;display:flex;">(516)</div><div id="a21922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:65px;">$ </div><div id="a21924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:65px;">41,428</div><div id="a21927" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:65px;">$ </div><div id="a21929" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:65px;display:flex;">(770)</div><div id="a21931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Collateralized mortgage obligations </div><div id="a21934" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:239px;top:81px;">155,668</div><div id="a21938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:81px;display:flex;">(3,223)</div><div id="a21942" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:81px;">38,459</div><div id="a21946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:81px;display:flex;">(1,497)</div><div id="a21950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:81px;">194,127</div><div id="a21953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:81px;">$ </div><div id="a21955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:81px;display:flex;">(4,720)</div><div id="a21957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:94px;">Mortgage-backed securities - </div><div id="a21962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:108px;">Residential </div><div id="a21965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:108px;">88,772</div><div id="a21969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:108px;display:flex;">(1,178)</div><div id="a21973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:108px;">37,373</div><div id="a21977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:108px;display:flex;">(1,274)</div><div id="a21981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:108px;">126,145</div><div id="a21984" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:108px;">$ </div><div id="a21986" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:108px;display:flex;">(2,452)</div><div id="a21988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:122px;">Mortgage-backed securities - </div><div id="a21993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:136px;">Commercial </div><div id="a21996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:136px;">25,289</div><div id="a22000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:136px;display:flex;">(318)</div><div id="a22004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:136px;">7,507</div><div id="a22008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:136px;display:flex;">(309)</div><div id="a22012" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:136px;">32,796</div><div id="a22015" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:136px;">$ </div><div id="a22017" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:136px;display:flex;">(627)</div><div id="a22019" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Municipal securities<div style="display:inline-block;width:3px"> </div></div><div id="a22023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:152px;">11,292</div><div id="a22027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:152px;display:flex;">(395)</div><div id="a22031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:152px;">11,978</div><div id="a22035" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:152px;display:flex;">(499)</div><div id="a22039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:152px;">23,270</div><div id="a22042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:152px;">$ </div><div id="a22044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:152px;display:flex;">(894)</div><div id="a22046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:167px;">Bank subordinated debt securities </div><div id="a22049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:252px;top:168px;">4,487</div><div id="a22053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:353px;top:168px;display:flex;">(13)</div><div id="a22057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:168px;-sec-ix-hidden:ID_1451;">-</div><div id="a22061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:168px;-sec-ix-hidden:ID_1452;">-</div><div id="a22065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:603px;top:168px;">4,487</div><div id="a22068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:168px;">$ </div><div id="a22070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:703px;top:168px;display:flex;">(13)</div><div id="a22073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:218px;top:185px;">$ </div><div id="a22075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:239px;top:185px;">311,459</div><div id="a22078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:306px;top:185px;">$ </div><div id="a22080" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:185px;display:flex;">(5,381)</div><div id="a22083" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:185px;">$ </div><div id="a22085" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:185px;">110,794</div><div id="a22088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:481px;top:185px;">$ </div><div id="a22090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:185px;display:flex;">(4,095)</div><div id="a22093" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:185px;">$ </div><div id="a22095" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:185px;">422,253</div><div id="a22098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:185px;">$ </div><div id="a22100" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:185px;display:flex;">(9,476)</div></div> <div id="TextBlockContainer499" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:308px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:495px;top:0px;">December 31, 2022 </div><div id="a20404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:34px;">Available-for-sale: </div><div id="a20410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:376px;top:20px;">Amortized </div><div id="a20411" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:392px;top:34px;">Cost </div><div id="a20414" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:20px;">Unrealized </div><div id="a20415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:480px;top:34px;">Gains </div><div id="a20418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:20px;">Unrealized </div><div id="a20419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:568px;top:34px;">Losses </div><div id="a20422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:652px;top:34px;">Fair Value </div><div id="a20424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">U.S. Government Agency </div><div id="a20426" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:50px;">$ </div><div id="a20428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:48px;">10,177</div><div id="a20431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:50px;">$ </div><div id="a20433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:48px;-sec-ix-hidden:ID_1395;">-</div><div id="a20436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:50px;">$ </div><div id="a20438" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:48px;display:flex;">(1,522)</div><div id="a20441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:50px;">$ </div><div id="a20443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">8,655</div><div id="a20445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Collateralized mortgage obligations </div><div id="a20448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:64px;">118,951</div><div id="a20452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:64px;-sec-ix-hidden:ID_850;">-</div><div id="a20456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:64px;display:flex;">(23,410)</div><div id="a20460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:64px;">95,541</div><div id="a20462" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:82px;">Mortgage-backed securities - Residential </div><div id="a20470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:80px;">73,838</div><div id="a20474" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:80px;-sec-ix-hidden:ID_851;">-</div><div id="a20478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:80px;display:flex;">(12,959)</div><div id="a20482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:80px;">60,879</div><div id="a20484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:98px;">Mortgage-backed securities - Commercial </div><div id="a20492" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:96px;">32,244</div><div id="a20496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:96px;">15</div><div id="a20500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:96px;display:flex;">(4,305)</div><div id="a20504" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:96px;">27,954</div><div id="a20506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:114px;">Municipal securities </div><div id="a20509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:112px;">25,084</div><div id="a20513" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:112px;-sec-ix-hidden:ID_853;">-</div><div id="a20517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:112px;display:flex;">(6,601)</div><div id="a20521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:112px;">18,483</div><div id="a20523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Bank subordinated debt securities </div><div id="a20526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:128px;">15,964</div><div id="a20530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:530px;top:128px;">5</div><div id="a20534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:128px;display:flex;">(1,050)</div><div id="a20538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:128px;">14,919</div><div id="a20540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:146px;">Corporate bonds </div><div id="a20543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:144px;">4,037</div><div id="a20547" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:144px;-sec-ix-hidden:ID_855;">-</div><div id="a20551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:144px;display:flex;">(328)</div><div id="a20555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:144px;">3,709</div><div id="a20558" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:163px;">$ </div><div id="a20560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:163px;">280,295</div><div id="a20563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:163px;">$ </div><div id="a20565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:163px;">20</div><div id="a20568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:163px;">$ </div><div id="a20570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:163px;display:flex;">(50,175)</div><div id="a20573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:163px;">$ </div><div id="a20575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">230,140</div><div id="a20577" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:180px;">Held-to-maturity: </div><div id="a20594" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:195px;">U.S. Government Agency </div><div id="a20596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:196px;">$ </div><div id="a20598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:194px;">44,914</div><div id="a20601" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:196px;">$ </div><div id="a20603" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:194px;">25</div><div id="a20606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:196px;">$ </div><div id="a20608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:194px;display:flex;">(5,877)</div><div id="a20611" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:196px;">$ </div><div id="a20613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:194px;">39,062</div><div id="a20615" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">U.S. Treasury </div><div id="a20618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:210px;">9,841</div><div id="a20622" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:210px;-sec-ix-hidden:ID_876;">-</div><div id="a20626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:611px;top:210px;display:flex;">(13)</div><div id="a20630" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:210px;">9,828</div><div id="a20632" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:227px;">Collateralized mortgage obligations </div><div id="a20635" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:226px;">68,727</div><div id="a20639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:226px;">28</div><div id="a20643" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:226px;display:flex;">(7,830)</div><div id="a20647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:226px;">60,925</div><div id="a20649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:243px;">Mortgage-backed securities - Residential </div><div id="a20657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:242px;">42,685</div><div id="a20661" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:242px;">372</div><div id="a20665" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:242px;display:flex;">(4,574)</div><div id="a20669" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:242px;">38,483</div><div id="a20671" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:258px;">Mortgage-backed securities - Commercial </div><div id="a20679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:258px;">11,442</div><div id="a20683" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:258px;-sec-ix-hidden:ID_879;">-</div><div id="a20687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:258px;display:flex;">(665)</div><div id="a20691" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:258px;">10,777</div><div id="a20693" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:275px;">Corporate bonds </div><div id="a20696" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:274px;">11,090</div><div id="a20700" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:274px;-sec-ix-hidden:ID_880;">-</div><div id="a20704" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:274px;display:flex;">(1,077)</div><div id="a20708" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:274px;">10,013</div><div id="a20711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:294px;">$ </div><div id="a20713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:294px;">188,699</div><div id="a20716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:294px;">$ </div><div id="a20718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:294px;">425</div><div id="a20721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:294px;">$ </div><div id="a20723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:294px;display:flex;">(20,036)</div><div id="a20726" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:294px;">$ </div><div id="a20728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:294px;">169,088</div></div><div id="TextBlockContainer503" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:717px;height:292px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a20753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:492px;top:0px;">December 31, 2021 </div><div id="a20755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:34px;">Available-for-sale: </div><div id="a20761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:20px;">Amortized </div><div id="a20762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:389px;top:34px;">Cost </div><div id="a20765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:464px;top:20px;">Unrealized </div><div id="a20766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:478px;top:34px;">Gains </div><div id="a20769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:556px;top:20px;">Unrealized </div><div id="a20770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:566px;top:34px;">Losses </div><div id="a20773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:650px;top:34px;">Fair Value </div><div id="a20775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">U.S. Government Agency </div><div id="a20777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:50px;">$ </div><div id="a20779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:48px;">10,564</div><div id="a20782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:50px;">$ </div><div id="a20784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:48px;">6</div><div id="a20787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:50px;">$ </div><div id="a20789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:48px;display:flex;">(50)</div><div id="a20792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:50px;">$ </div><div id="a20794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:48px;">10,520</div><div id="a20796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Collateralized mortgage obligations </div><div id="a20799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:64px;">160,506</div><div id="a20803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:64px;">22</div><div id="a20807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:64px;display:flex;">(3,699)</div><div id="a20811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:64px;">156,829</div><div id="a20813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:82px;">Mortgage-backed securities - Residential </div><div id="a20821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:80px;">120,643</div><div id="a20825" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:80px;">228</div><div id="a20829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:80px;display:flex;">(2,029)</div><div id="a20833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:80px;">118,842</div><div id="a20835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:98px;">Mortgage-backed securities - Commercial </div><div id="a20843" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:96px;">49,905</div><div id="a20847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:96px;">820</div><div id="a20851" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:96px;display:flex;">(608)</div><div id="a20855" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:96px;">50,117</div><div id="a20857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:114px;">Municipal securities </div><div id="a20860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:112px;">25,164</div><div id="a20864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:112px;">6</div><div id="a20868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:112px;display:flex;">(894)</div><div id="a20872" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:112px;">24,276</div><div id="a20874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Bank subordinated debt securities </div><div id="a20877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:128px;">27,003</div><div id="a20881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:501px;top:128px;">1,418</div><div id="a20885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:128px;display:flex;">(13)</div><div id="a20889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:128px;">28,408</div><div id="a20891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:146px;">Corporate bonds </div><div id="a20894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:144px;">12,068</div><div id="a20898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:144px;">482</div><div id="a20902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:619px;top:144px;-sec-ix-hidden:ID_912;">-</div><div id="a20906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:144px;">12,550</div><div id="a20909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:163px;">$ </div><div id="a20911" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:163px;">405,853</div><div id="a20914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:163px;">$ </div><div id="a20916" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:501px;top:163px;">2,982</div><div id="a20919" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:163px;">$ </div><div id="a20921" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:163px;display:flex;">(7,293)</div><div id="a20924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:163px;">$ </div><div id="a20926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:163px;">401,542</div><div id="a20928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:180px;">Held-to-maturity: </div><div id="a20945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:195px;">U.S. Government Agency </div><div id="a20947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:196px;">$ </div><div id="a20949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:194px;">34,505</div><div id="a20952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:196px;">$ </div><div id="a20954" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:194px;">14</div><div id="a20957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:196px;">$ </div><div id="a20959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:194px;display:flex;">(615)</div><div id="a20962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:196px;">$ </div><div id="a20964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:194px;">33,904</div><div id="a20966" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">Collateralized mortgage obligations </div><div id="a20969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:210px;">44,820</div><div id="a20973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:210px;-sec-ix-hidden:ID_1379;">-</div><div id="a20977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:210px;display:flex;">(1,021)</div><div id="a20981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:210px;">43,799</div><div id="a20983" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:227px;">Mortgage-backed securities - Residential </div><div id="a20991" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:226px;">26,920</div><div id="a20995" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:226px;-sec-ix-hidden:ID_1383;">-</div><div id="a20999" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:226px;display:flex;">(568)</div><div id="a21003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:226px;">26,352</div><div id="a21005" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:242px;">Mortgage-backed securities - Commercial </div><div id="a21013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:409px;top:242px;">3,103</div><div id="a21017" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:242px;-sec-ix-hidden:ID_1387;">-</div><div id="a21021" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:242px;display:flex;">(90)</div><div id="a21025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:685px;top:242px;">3,013</div><div id="a21027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:259px;">Corporate bonds </div><div id="a21030" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:402px;top:258px;">13,310</div><div id="a21034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:258px;-sec-ix-hidden:ID_1391;">-</div><div id="a21038" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:599px;top:258px;display:flex;">(221)</div><div id="a21042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:678px;top:258px;">13,089</div><div id="a21045" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:278px;">$ </div><div id="a21047" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:278px;">122,658</div><div id="a21050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:278px;">$ </div><div id="a21052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:278px;">14</div><div id="a21055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:278px;">$ </div><div id="a21057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:589px;top:278px;display:flex;">(2,515)</div><div id="a21060" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:278px;">$ </div><div id="a21062" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:278px;">120,157</div></div> 10177000 1522000 8655000 118951000 23410000 95541000 73838000 12959000 60879000 32244000 15000 4305000 27954000 25084000 6601000 18483000 15964000 5000 1050000 14919000 4037000 328000 3709000 280295000 20000 50175000 230140000 44914000 25000 5877000 39062000 9841000 13000 9828000 68727000 28000 7830000 60925000 42685000 372000 4574000 38483000 11442000 665000 10777000 11090000 1077000 10013000 188699000 425000 20036000 169088000 10564000 6000 50000 10520000 160506000 22000 3699000 156829000 120643000 228000 2029000 118842000 49905000 820000 608000 50117000 25164000 6000 894000 24276000 27003000 1418000 13000 28408000 12068000 482000 12550000 405853000 2982000 7293000 401542000 34505000 14000 615000 33904000 44820000 1021000 43799000 26920000 568000 26352000 3103000 90000 3013000 13310000 221000 13089000 122658000 14000 2515000 120157000 74400000 63800000 10600000 120000 108000 <div id="TextBlockContainer509" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:0px;">Available-for-sale: </div><div id="a21192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a21195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a21197" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Proceeds from sales and call of securities </div><div id="a21199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:16px;">$ </div><div id="a21201" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:567px;top:16px;">60,649</div><div id="a21204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:16px;">$ </div><div id="a21206" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:16px;">51,974</div><div id="a21214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Gross Gains </div><div id="a21216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:48px;">$ </div><div id="a21218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:48px;">217</div><div id="a21221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:48px;">$ </div><div id="a21223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:48px;">545</div><div id="a21225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Gross Losses </div><div id="a21228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:64px;display:flex;">(2,746)</div><div id="a21232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:64px;display:flex;">(331)</div><div id="a21234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Net realized gains (losses) </div><div id="a21236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:81px;">$ </div><div id="a21238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:81px;display:flex;">(2,529)</div><div id="a21241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:81px;">$ </div><div id="a21243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">214</div></div> 60649000 51974000 217000 545000 2746000 331000 -2529000 214000 <div id="TextBlockContainer515" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:210px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21288" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:416px;top:0px;">Available-for-sale </div><div id="a21295" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:594px;top:0px;">Held-to-maturity </div><div id="a21301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:33px;">December 31, 2022: </div><div id="a21304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:393px;top:19px;">Amortized </div><div id="a21305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:409px;top:33px;">Cost </div><div id="a21308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:33px;">Fair Value </div><div id="a21311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:567px;top:19px;">Amortized </div><div id="a21312" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:583px;top:33px;">Cost </div><div id="a21315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:33px;">Fair Value </div><div id="a21317" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Due within one year </div><div id="a21320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:49px;">$ </div><div id="a21322" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:49px;-sec-ix-hidden:ID_747;">-</div><div id="a21325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:49px;">$ </div><div id="a21327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:49px;-sec-ix-hidden:ID_752;">-</div><div id="a21330" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:49px;">$ </div><div id="a21332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:49px;">1,515</div><div id="a21335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:49px;">$ </div><div id="a21337" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:49px;">1,475</div><div id="a21339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Due after one year through five years </div><div id="a21343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:65px;">4,037</div><div id="a21347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:65px;">3,709</div><div id="a21351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:65px;">9,575</div><div id="a21355" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:65px;">8,539</div><div id="a21357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Due after five years through ten years </div><div id="a21361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:81px;">16,964</div><div id="a21365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:81px;">15,722</div><div id="a21369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:630px;top:81px;">- </div><div id="a21373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:81px;">- </div><div id="a21375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:96px;">Due after ten years </div><div id="a21379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:97px;">24,084</div><div id="a21383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:97px;">17,680</div><div id="a21387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:630px;top:97px;">- </div><div id="a21391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:97px;">- </div><div id="a21393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:112px;">U.S. Government Agency </div><div id="a21397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:113px;">10,177</div><div id="a21401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:113px;">8,655</div><div id="a21405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:113px;">44,914</div><div id="a21409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:113px;">39,061</div><div id="a21411" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">U.S. Treasury </div><div id="a21415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:129px;">- </div><div id="a21419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:129px;">- </div><div id="a21423" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:129px;">9,841</div><div id="a21427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:129px;">9,828</div><div id="a21429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:144px;">Collateralized mortgage obligations </div><div id="a21433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:416px;top:145px;">118,951</div><div id="a21437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:145px;">95,541</div><div id="a21441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:145px;">68,727</div><div id="a21445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:145px;">60,925</div><div id="a21447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:160px;">Mortgage-backed securities - Residential<div style="display:inline-block;width:3px"> </div></div><div id="a21456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:161px;">73,838</div><div id="a21460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:161px;">60,879</div><div id="a21464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:161px;">42,685</div><div id="a21468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:161px;">38,483</div><div id="a21470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Mortgage-backed securities - Commercial<div style="display:inline-block;width:3px"> </div></div><div id="a21479" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:177px;">32,244</div><div id="a21483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:177px;">27,954</div><div id="a21487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:177px;">11,442</div><div id="a21491" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:177px;">10,777</div><div id="a21495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:194px;">$ </div><div id="a21497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:416px;top:194px;">280,295</div><div id="a21500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:194px;">$ </div><div id="a21502" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:503px;top:194px;">230,140</div><div id="a21505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:194px;">$ </div><div id="a21507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:194px;">188,699</div><div id="a21510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:194px;">$ </div><div id="a21512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">169,088</div></div> 1515000 1475000 4037000 3709000 9575000 8539000 16964000 15722000 24084000 17680000 10177000 8655000 44914000 39061000 9841000 9828000 118951000 95541000 68727000 60925000 73838000 60879000 42685000 38483000 32244000 27954000 11442000 10777000 280295000 230140000 188699000 169088000 <div id="TextBlockContainer521" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:727px;height:233px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:0px;">December 31, 2022 </div><div id="a21569" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:231px;top:17px;">Less than 12 months </div><div id="a21572" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:17px;">12 months or more </div><div id="a21575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:629px;top:17px;">Total </div><div id="a21578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:218px;top:48px;">Fair Value </div><div id="a21581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:305px;top:35px;">Unrealized </div><div id="a21582" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:314px;top:48px;">Losses </div><div id="a21585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:395px;top:48px;">Fair Value </div><div id="a21588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:35px;">Unrealized </div><div id="a21589" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:491px;top:48px;">Losses </div><div id="a21592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:48px;">Fair Value </div><div id="a21595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:657px;top:35px;">Unrealized </div><div id="a21596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:48px;">Losses </div><div id="a21598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">U.S. Government Agency </div><div id="a21600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:215px;top:66px;">$ </div><div id="a21602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:66px;">11,407</div><div id="a21606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:66px;display:flex;">(1,093)</div><div id="a21610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:66px;">36,310</div><div id="a21614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:66px;display:flex;">(7,616)</div><div id="a21617" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:568px;top:66px;">$ </div><div id="a21619" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:66px;">47,717</div><div id="a21622" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:66px;">$ </div><div id="a21624" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:66px;display:flex;">(8,709)</div><div id="a21626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:81px;">U.S. Treasury </div><div id="a21629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:82px;">9,828</div><div id="a21633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:82px;display:flex;">(13)</div><div id="a21637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:447px;top:82px;-sec-ix-hidden:ID_1425;">-</div><div id="a21641" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:82px;-sec-ix-hidden:ID_1426;">-</div><div id="a21645" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:82px;">9,828</div><div id="a21648" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:82px;">$ </div><div id="a21650" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:698px;top:82px;display:flex;">(13)</div><div id="a21652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Collateralized mortgage obligations </div><div id="a21655" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:98px;">16,500</div><div id="a21659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:98px;display:flex;">(963)</div><div id="a21663" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:98px;">139,965</div><div id="a21667" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:98px;display:flex;">(34,962)</div><div id="a21671" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:98px;">156,465</div><div id="a21674" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:98px;">$ </div><div id="a21676" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:98px;display:flex;">(35,925)</div><div id="a21678" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:112px;">Mortgage-backed securities - </div><div id="a21683" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Residential </div><div id="a21686" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:125px;">5,059</div><div id="a21690" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:125px;display:flex;">(564)</div><div id="a21694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:125px;">91,742</div><div id="a21698" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:125px;display:flex;">(19,348)</div><div id="a21702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:125px;">96,801</div><div id="a21705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:125px;">$ </div><div id="a21707" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:125px;display:flex;">(19,912)</div><div id="a21709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:139px;">Mortgage-backed securities - </div><div id="a21714" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:153px;">Commercial </div><div id="a21717" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:153px;">10,052</div><div id="a21721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:153px;display:flex;">(1,173)</div><div id="a21725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:153px;">26,823</div><div id="a21729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:153px;display:flex;">(5,300)</div><div id="a21733" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:153px;">36,875</div><div id="a21736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:153px;">$ </div><div id="a21738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:153px;display:flex;">(6,473)</div><div id="a21740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:168px;">Municipal securities<div style="display:inline-block;width:3px"> </div></div><div id="a21743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:271px;top:169px;-sec-ix-hidden:ID_777;">-</div><div id="a21747" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:359px;top:169px;-sec-ix-hidden:ID_782;">-</div><div id="a21751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:169px;">18,483</div><div id="a21755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:169px;display:flex;">(6,601)</div><div id="a21759" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:169px;">18,483</div><div id="a21762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:169px;">$ </div><div id="a21764" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:169px;display:flex;">(6,601)</div><div id="a21766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:184px;">Bank subordinated debt securities </div><div id="a21769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:185px;">11,295</div><div id="a21773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:185px;display:flex;">(670)</div><div id="a21777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:185px;">2,619</div><div id="a21781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:515px;top:185px;display:flex;">(381)</div><div id="a21785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:185px;">13,914</div><div id="a21788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:185px;">$ </div><div id="a21790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:681px;top:185px;display:flex;">(1,051)</div><div id="a21792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:200px;">Corporate bonds </div><div id="a21795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:201px;">13,723</div><div id="a21799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:201px;display:flex;">(926)</div><div id="a21803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:447px;top:201px;-sec-ix-hidden:ID_1433;">-</div><div id="a21807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:201px;-sec-ix-hidden:ID_1434;">-</div><div id="a21811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:591px;top:201px;">13,723</div><div id="a21814" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:201px;">$ </div><div id="a21816" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:201px;display:flex;">(926)</div><div id="a21819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:215px;top:219px;">$ </div><div id="a21821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:238px;top:219px;">77,864</div><div id="a21824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:303px;top:219px;">$ </div><div id="a21826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:329px;top:219px;display:flex;">(5,402)</div><div id="a21829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:392px;top:219px;">$ </div><div id="a21831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:219px;">315,942</div><div id="a21834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:480px;top:219px;">$ </div><div id="a21836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:219px;display:flex;">(74,208)</div><div id="a21839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:568px;top:219px;">$ </div><div id="a21841" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:219px;">393,806</div><div id="a21844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:656px;top:219px;">$ </div><div id="a21846" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:674px;top:219px;display:flex;">(79,610)</div></div><div id="TextBlockContainer526" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:201px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_524_XBRL_TS_844551fd5b98462ea02cb4f37ddd0832" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer525" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:201px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a21868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:417px;top:0px;">December 31, 2021 </div><div id="a21871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:236px;top:17px;">Less than 12 months </div><div id="a21874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:417px;top:17px;">12 months or more </div><div id="a21877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:632px;top:17px;">Total </div><div id="a21880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:224px;top:48px;">Fair Value </div><div id="a21883" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:309px;top:35px;">Unrealized </div><div id="a21884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:319px;top:48px;">Losses </div><div id="a21887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:399px;top:48px;">Fair Value </div><div id="a21890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:485px;top:35px;">Unrealized </div><div id="a21891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:495px;top:48px;">Losses </div><div id="a21894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:574px;top:48px;">Fair Value </div><div id="a21897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:660px;top:35px;">Unrealized </div><div id="a21898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:48px;">Losses </div><div id="a21900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">U.S. Government Agency </div><div id="a21902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:218px;top:65px;">$ </div><div id="a21904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:65px;">25,951</div><div id="a21907" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:306px;top:65px;">$ </div><div id="a21909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:65px;display:flex;">(254)</div><div id="a21912" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:65px;">$ </div><div id="a21914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:65px;">15,477</div><div id="a21917" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:481px;top:65px;">$ </div><div id="a21919" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:65px;display:flex;">(516)</div><div id="a21922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:65px;">$ </div><div id="a21924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:65px;">41,428</div><div id="a21927" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:65px;">$ </div><div id="a21929" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:65px;display:flex;">(770)</div><div id="a21931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Collateralized mortgage obligations </div><div id="a21934" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:239px;top:81px;">155,668</div><div id="a21938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:81px;display:flex;">(3,223)</div><div id="a21942" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:81px;">38,459</div><div id="a21946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:81px;display:flex;">(1,497)</div><div id="a21950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:81px;">194,127</div><div id="a21953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:81px;">$ </div><div id="a21955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:81px;display:flex;">(4,720)</div><div id="a21957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:94px;">Mortgage-backed securities - </div><div id="a21962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:108px;">Residential </div><div id="a21965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:108px;">88,772</div><div id="a21969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:108px;display:flex;">(1,178)</div><div id="a21973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:108px;">37,373</div><div id="a21977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:108px;display:flex;">(1,274)</div><div id="a21981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:108px;">126,145</div><div id="a21984" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:108px;">$ </div><div id="a21986" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:108px;display:flex;">(2,452)</div><div id="a21988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:122px;">Mortgage-backed securities - </div><div id="a21993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:136px;">Commercial </div><div id="a21996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:136px;">25,289</div><div id="a22000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:136px;display:flex;">(318)</div><div id="a22004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:136px;">7,507</div><div id="a22008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:136px;display:flex;">(309)</div><div id="a22012" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:136px;">32,796</div><div id="a22015" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:136px;">$ </div><div id="a22017" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:136px;display:flex;">(627)</div><div id="a22019" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Municipal securities<div style="display:inline-block;width:3px"> </div></div><div id="a22023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:152px;">11,292</div><div id="a22027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:346px;top:152px;display:flex;">(395)</div><div id="a22031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:152px;">11,978</div><div id="a22035" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:521px;top:152px;display:flex;">(499)</div><div id="a22039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:152px;">23,270</div><div id="a22042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:152px;">$ </div><div id="a22044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:152px;display:flex;">(894)</div><div id="a22046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:167px;">Bank subordinated debt securities </div><div id="a22049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:252px;top:168px;">4,487</div><div id="a22053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:353px;top:168px;display:flex;">(13)</div><div id="a22057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:168px;-sec-ix-hidden:ID_1451;">-</div><div id="a22061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:168px;-sec-ix-hidden:ID_1452;">-</div><div id="a22065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:603px;top:168px;">4,487</div><div id="a22068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:168px;">$ </div><div id="a22070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:703px;top:168px;display:flex;">(13)</div><div id="a22073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:218px;top:185px;">$ </div><div id="a22075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:239px;top:185px;">311,459</div><div id="a22078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:306px;top:185px;">$ </div><div id="a22080" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:185px;display:flex;">(5,381)</div><div id="a22083" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:185px;">$ </div><div id="a22085" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:185px;">110,794</div><div id="a22088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:481px;top:185px;">$ </div><div id="a22090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:511px;top:185px;display:flex;">(4,095)</div><div id="a22093" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:185px;">$ </div><div id="a22095" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:185px;">422,253</div><div id="a22098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:185px;">$ </div><div id="a22100" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:185px;display:flex;">(9,476)</div></div></div></div> 11407000 1093000 36310000 7616000 47717000 8709000 9828000 13000 9828000 13000 16500000 963000 139965000 34962000 156465000 35925000 5059000 564000 91742000 19348000 96801000 19912000 10052000 1173000 26823000 5300000 36875000 6473000 18483000 6601000 18483000 6601000 11295000 670000 2619000 381000 13914000 1051000 13723000 926000 13723000 926000 77864000 5402000 315942000 74208000 393806000 79610000 25951000 254000 15477000 516000 41428000 770000 155668000 3223000 38459000 1497000 194127000 4720000 88772000 1178000 37373000 1274000 126145000 2452000 25289000 318000 7507000 309000 32796000 627000 11292000 395000 11978000 499000 23270000 894000 4487000 13000 4487000 13000 311459000 5381000 110794000 4095000 422253000 9476000 134700000 53700000 294600000 20000000.0 0 0.25 18 49000000.0 204200000 11 20400000 37300000 <div id="TextBlockContainer532" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:640px;height:50px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22293" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">3.<div style="display:inline-block;width:25px"> </div>LOANS </div><div id="a22299" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The following table is a summary of the distribution of<div style="display:inline-block;width:5px"> </div>loans held for investment by type (in thousands):</div></div><div id="TextBlockContainer538" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22513" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">At December 31, 2022 and 2021, the Company had $</div><div id="a22513_48_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:345px;top:0px;">338.1</div><div id="a22513_53_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:378px;top:0px;"><div style="display:inline-block;width:4px"> </div>million and $</div><div id="a22513_67_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:0px;">185.1</div><div id="a22513_72_43" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:490px;top:0px;"><div style="display:inline-block;width:4px"> </div>million, respectively,<div style="display:inline-block;width:5px"> </div>of commercial real </div><div id="a22525" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">estate and residential mortgage loans pledged as collateral on lines of credit with the FHLB and the<div style="display:inline-block;width:5px"> </div>Federal Reserve Bank </div></div><div id="TextBlockContainer540" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:324px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22546" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">of Atlanta.<div style="display:inline-block;width:5px"> </div>At December 31,<div style="display:inline-block;width:5px"> </div>2022 and 2021<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:5px"> </div>had </div><div id="a22546_58_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:380px;top:0px;">no</div><div id="a22546_60_25" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:395px;top:0px;"><div style="display:inline-block;width:4px"> </div>loans and one<div style="display:inline-block;width:6px"> </div>loan for<div style="display:inline-block;width:5px"> </div>$</div><div id="a22546_85_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:0px;">1.2</div><div id="a22546_88_31" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:0px;"><div style="display:inline-block;width:4px"> </div>million, respectively,<div style="display:inline-block;width:6px"> </div>in the </div><div id="a22564" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">process of foreclosure. </div><div id="a22568" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">The Company was a participant<div style="display:inline-block;width:5px"> </div>of the Small Business Administration’s<div style="display:inline-block;width:6px"> </div>(“SBA”) Paycheck Protection Program<div style="display:inline-block;width:5px"> </div>(“PPP”) </div><div id="a22577" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">loans. These<div style="display:inline-block;width:5px"> </div>loans were<div style="display:inline-block;width:5px"> </div>designed to<div style="display:inline-block;width:5px"> </div>provide a<div style="display:inline-block;width:5px"> </div>direct incentive<div style="display:inline-block;width:5px"> </div>for small<div style="display:inline-block;width:5px"> </div>businesses to<div style="display:inline-block;width:5px"> </div>keep their<div style="display:inline-block;width:5px"> </div>workers on<div style="display:inline-block;width:5px"> </div>payroll and </div><div id="a22580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">had to be used towards payroll cost, mortgage interest, rent, utilities and other costs<div style="display:inline-block;width:4px"> </div>related to COVID-19. These loans are </div><div id="a22594" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">forgivable under specific criteria<div style="display:inline-block;width:5px"> </div>as determined by the SBA. The<div style="display:inline-block;width:5px"> </div>Company had PPP loans of<div style="display:inline-block;width:5px"> </div>$</div><div id="a22594_91_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:562px;top:92px;">1.3</div><div id="a22594_94_25" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:581px;top:92px;"><div style="display:inline-block;width:4px"> </div>million at December 31, </div><div id="a22610" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">2022 and $</div><div id="a22610_10_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:71px;top:107px;">42.4</div><div id="a22610_14_105" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:97px;top:107px;"><div style="display:inline-block;width:4px"> </div>million at December 31, 2021, which are categorized as commercial<div style="display:inline-block;width:2px"> </div>and industrial loans. These PPP loans </div><div id="a22627" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">had deferred loan fees of $</div><div id="a22627_27_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:164px;top:123px;">13</div><div id="a22627_29_36" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:179px;top:123px;"><div style="display:inline-block;width:4px"> </div>thousand at December 31, 2022 and $</div><div id="a22627_65_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:410px;top:123px;">1.5</div><div id="a22627_68_31" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:123px;"><div style="display:inline-block;width:4px"> </div>million at December 31, 2021. </div><div id="a22646" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:153px;">The<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>recognized<div style="display:inline-block;width:6px"> </div>$</div><div id="a22646_24_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:199px;top:153px;">1.6</div><div id="a22646_27_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:217px;top:153px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>$</div><div id="a22646_41_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:300px;top:153px;">4.5</div><div id="a22646_44_66" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:318px;top:153px;"><div style="display:inline-block;width:6px"> </div>million<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>PPP<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>fees<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>interest<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>years<div style="display:inline-block;width:6px"> </div>ended </div><div id="a22668" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">December 31,<div style="display:inline-block;width:8px"> </div>2022<div style="display:inline-block;width:8px"> </div>and<div style="display:inline-block;width:8px"> </div>2021,<div style="display:inline-block;width:8px"> </div>respectively,<div style="display:inline-block;width:9px"> </div>which<div style="display:inline-block;width:8px"> </div>is<div style="display:inline-block;width:8px"> </div>reported<div style="display:inline-block;width:8px"> </div>under<div style="display:inline-block;width:8px"> </div>loans,<div style="display:inline-block;width:8px"> </div>including<div style="display:inline-block;width:8px"> </div>fees<div style="display:inline-block;width:8px"> </div>within<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:8px"> </div>Consolidated </div><div id="a22681" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">Statements of Operations.<div style="display:inline-block;width:4px"> </div></div><div id="a22684" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>segments<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>portfolio<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:5px"> </div>pools<div style="display:inline-block;width:5px"> </div>grouping<div style="display:inline-block;width:6px"> </div>loans<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:5px"> </div>share<div style="display:inline-block;width:5px"> </div>similar<div style="display:inline-block;width:6px"> </div>risk<div style="display:inline-block;width:5px"> </div>characteristics<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>employing </div><div id="a22686" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">collateral type<div style="display:inline-block;width:6px"> </div>and lien<div style="display:inline-block;width:6px"> </div>position to<div style="display:inline-block;width:6px"> </div>group loans<div style="display:inline-block;width:6px"> </div>according to<div style="display:inline-block;width:6px"> </div>risk. The<div style="display:inline-block;width:6px"> </div>Company determines<div style="display:inline-block;width:6px"> </div>historical loss<div style="display:inline-block;width:6px"> </div>rates for<div style="display:inline-block;width:6px"> </div>each </div><div id="a22687" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">loan<div style="display:inline-block;width:6px"> </div>pool<div style="display:inline-block;width:6px"> </div>based<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:6px"> </div>own<div style="display:inline-block;width:6px"> </div>loss<div style="display:inline-block;width:6px"> </div>experience.<div style="display:inline-block;width:6px"> </div>In<div style="display:inline-block;width:6px"> </div>estimating<div style="display:inline-block;width:6px"> </div>credit<div style="display:inline-block;width:6px"> </div>losses,<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>also<div style="display:inline-block;width:6px"> </div>considers<div style="display:inline-block;width:6px"> </div>qualitative<div style="display:inline-block;width:6px"> </div>and </div><div id="a22689" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:261px;">environmental factors that may cause estimated credit losses<div style="display:inline-block;width:5px"> </div>for the loan portfolio to differ from historical<div style="display:inline-block;width:5px"> </div>losses. </div><div id="a22692" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:291px;">Changes<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>allowance<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>credit<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>years<div style="display:inline-block;width:6px"> </div>ended<div style="display:inline-block;width:6px"> </div>December 31,<div style="display:inline-block;width:7px"> </div>2022<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>2021<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>follows<div style="display:inline-block;width:6px"> </div>(in </div><div id="a22705" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">thousands):</div></div><div id="TextBlockContainer546" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23089" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Allowance for credit losses and the outstanding balances in<div style="display:inline-block;width:2px"> </div>loans as of December 31, 2022 and 2021 are as<div style="display:inline-block;width:2px"> </div>follows (in </div><div id="a23099" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">thousands):</div></div><div id="TextBlockContainer552" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:416px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23664" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Credit Quality Indicators </div><div id="a23667" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company grades loans based on the estimated capability of the borrower to repay the contractual obligation of the </div><div id="a23671" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">loan agreement based<div style="display:inline-block;width:6px"> </div>on relevant information<div style="display:inline-block;width:6px"> </div>which may include:<div style="display:inline-block;width:5px"> </div>current financial information<div style="display:inline-block;width:6px"> </div>on the borrower,<div style="display:inline-block;width:6px"> </div>historical </div><div id="a23675" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">payment<div style="display:inline-block;width:5px"> </div>experience,<div style="display:inline-block;width:5px"> </div>credit<div style="display:inline-block;width:5px"> </div>documentation<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>other<div style="display:inline-block;width:5px"> </div>current<div style="display:inline-block;width:5px"> </div>economic<div style="display:inline-block;width:6px"> </div>trends.<div style="display:inline-block;width:5px"> </div>Internal<div style="display:inline-block;width:5px"> </div>credit<div style="display:inline-block;width:5px"> </div>risk<div style="display:inline-block;width:5px"> </div>grades<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>evaluated </div><div id="a23676" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">periodically.<div style="display:inline-block;width:4px"> </div></div><div id="a23680" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:108px;">The Company's internally assigned credit risk<div style="display:inline-block;width:5px"> </div>grades are as follows: </div><div id="a23686" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:138px;">Pass </div><div id="a23687" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:88px;top:138px;">– Loans indicate different levels of satisfactory financial<div style="display:inline-block;width:5px"> </div>condition and performance.<div style="display:inline-block;width:5px"> </div></div><div id="a23692" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:169px;">Special Mention</div><div id="a23693" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:155px;top:169px;"><div style="display:inline-block;width:4px"> </div>– Loans classified as special mention have a potential weakness<div style="display:inline-block;width:5px"> </div>that deserves management’s </div><div id="a23698" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:184px;">close attention. If left uncorrected, these potential weaknesses<div style="display:inline-block;width:5px"> </div>may result in deterioration of the repayment </div><div id="a23699" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:200px;">prospects for the loan or of the institution’s<div style="display:inline-block;width:5px"> </div>credit position at some future date.<div style="display:inline-block;width:5px"> </div></div><div id="a23702" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:230px;">Substandard </div><div id="a23703" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:138px;top:230px;">– Loans classified as substandard are inadequately protected<div style="display:inline-block;width:5px"> </div>by the current net worth and paying </div><div id="a23707" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:245px;">capacity of the obligator or of the collateral pledged, if<div style="display:inline-block;width:5px"> </div>any. Loans so classified<div style="display:inline-block;width:5px"> </div>have a well-defined weakness or </div><div id="a23710" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:261px;">weaknesses that jeopardize the liquidation of the debt.<div style="display:inline-block;width:5px"> </div>They are characterized by the distinct possibility that the </div><div id="a23712" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:276px;">institution will sustain some loss if the deficiencies are<div style="display:inline-block;width:5px"> </div>not corrected.<div style="display:inline-block;width:4px"> </div></div><div id="a23715" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:307px;">Doubtful</div><div id="a23716" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:108px;top:307px;"><div style="display:inline-block;width:4px"> </div>– Loans classified as doubtful have all the weaknesses<div style="display:inline-block;width:5px"> </div>inherent in those classified at substandard, with </div><div id="a23720" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:322px;">the added characteristic that the weaknesses make<div style="display:inline-block;width:5px"> </div>collection or liquidation in full on the basis of currently existing </div><div id="a23724" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:337px;">facts, conditions, and values, highly questionable and improbable.<div style="display:inline-block;width:5px"> </div></div><div id="a23727" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:368px;">Loss </div><div id="a23728" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:88px;top:368px;">– Loans classified as loss are considered uncollectible. </div><div id="a23733" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:399px;">Loan credit exposures by internally assigned grades are<div style="display:inline-block;width:5px"> </div>presented below for the periods indicated (in thousands):</div></div><div id="TextBlockContainer562" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:739px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a24703" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Loan Aging </div><div id="a24706" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Company<div style="display:inline-block;width:2px"> </div>also considers the<div style="display:inline-block;width:2px"> </div>performance of loans<div style="display:inline-block;width:2px"> </div>in grading<div style="display:inline-block;width:2px"> </div>and in<div style="display:inline-block;width:2px"> </div>evaluating the<div style="display:inline-block;width:2px"> </div>credit quality<div style="display:inline-block;width:2px"> </div>of the<div style="display:inline-block;width:2px"> </div>loan portfolio. </div><div id="a24707" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">The Company<div style="display:inline-block;width:6px"> </div>analyzes credit<div style="display:inline-block;width:6px"> </div>quality and<div style="display:inline-block;width:6px"> </div>loan grades<div style="display:inline-block;width:6px"> </div>based on<div style="display:inline-block;width:6px"> </div>payment performance<div style="display:inline-block;width:6px"> </div>and the<div style="display:inline-block;width:5px"> </div>aging status<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:6px"> </div>loan.<div style="display:inline-block;width:4px"> </div></div><div id="a24709" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">The following table include an aging analysis<div style="display:inline-block;width:5px"> </div>of accruing loans and total non-accruing<div style="display:inline-block;width:5px"> </div>loans as of December 31, 2022 and </div><div id="a24716" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">2021 (in thousands):</div></div><div id="TextBlockContainer572" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:155px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a25825" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">There was </div><div id="a25825_10_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:94px;top:0px;">no</div><div id="a25825_12_104" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:108px;top:0px;"><div style="display:inline-block;width:3px"> </div>interest income recognized attributable to<div style="display:inline-block;width:2px"> </div>nonaccrual loans outstanding at<div style="display:inline-block;width:2px"> </div>December 31, 2022 and 2021. </div><div id="a25833" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">Interest<div style="display:inline-block;width:7px"> </div>income<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>loans<div style="display:inline-block;width:7px"> </div>for<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>years<div style="display:inline-block;width:6px"> </div>ended<div style="display:inline-block;width:7px"> </div>December 31,<div style="display:inline-block;width:7px"> </div>2022<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:7px"> </div>2021,<div style="display:inline-block;width:7px"> </div>would<div style="display:inline-block;width:7px"> </div>have<div style="display:inline-block;width:7px"> </div>been<div style="display:inline-block;width:7px"> </div>approximately </div><div id="a25846" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">$</div><div id="a25846_1_1" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:31px;-sec-ix-hidden:ID_1467;">0</div><div id="a25846_2_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:20px;top:31px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a25846_17_1" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:115px;top:31px;">5</div><div id="a25846_18_93" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:123px;top:31px;"><div style="display:inline-block;width:4px"> </div>thousand, respectively,<div style="display:inline-block;width:5px"> </div>had these loans performed in accordance with their<div style="display:inline-block;width:5px"> </div>original terms.<div style="display:inline-block;width:4px"> </div></div><div id="a25854" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">There were no loans over 90 days past due and accruing<div style="display:inline-block;width:5px"> </div>as of December 31, 2022 and 2021. </div><div id="a25864" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:92px;">Impaired Loans </div><div id="a25867" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">The following table includes<div style="display:inline-block;width:5px"> </div>the unpaid principal balances<div style="display:inline-block;width:5px"> </div>for impaired loans with<div style="display:inline-block;width:5px"> </div>the associated allowance amount,<div style="display:inline-block;width:5px"> </div>if </div><div id="a25868" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">applicable, on the basis of impairment methodology for the dates<div style="display:inline-block;width:5px"> </div>indicated (in thousands):</div></div><div id="TextBlockContainer578" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:702px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26156" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">Net investment balance is the unpaid principal balance<div style="display:inline-block;width:5px"> </div>of the loan adjusted for the remaining net deferred loan<div style="display:inline-block;width:5px"> </div>fees.<div style="display:inline-block;width:4px"> </div></div></div><div id="TextBlockContainer580" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26179" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The following table presents the<div style="display:inline-block;width:2px"> </div>average recorded investment balance on impaired<div style="display:inline-block;width:2px"> </div>loans as of December 31, 2022<div style="display:inline-block;width:2px"> </div>and </div><div id="a26186" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">2021 (in thousands):</div></div><div id="TextBlockContainer586" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26250" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Interest income<div style="display:inline-block;width:5px"> </div>recognized on<div style="display:inline-block;width:5px"> </div>impaired loans<div style="display:inline-block;width:5px"> </div>for the<div style="display:inline-block;width:5px"> </div>years ended<div style="display:inline-block;width:5px"> </div>December 31, 2022<div style="display:inline-block;width:5px"> </div>and 2021<div style="display:inline-block;width:5px"> </div>was $</div><div id="a26250_97_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:644px;top:0px;">351</div><div id="a26250_100_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:666px;top:0px;"><div style="display:inline-block;width:4px"> </div>thousand </div><div id="a26258" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">and $</div><div id="a26258_5_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:15px;">415</div><div id="a26258_8_25" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:60px;top:15px;"><div style="display:inline-block;width:4px"> </div>thousand, respectively. </div><div id="a26263" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:46px;">Troubled Debt Restructuring </div><div id="a26266" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:77px;">A troubled<div style="display:inline-block;width:7px"> </div>debt<div style="display:inline-block;width:5px"> </div>restructuring<div style="display:inline-block;width:5px"> </div>(“TDR”)<div style="display:inline-block;width:5px"> </div>occurs<div style="display:inline-block;width:5px"> </div>when the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:5px"> </div>has agreed<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:5px"> </div>a loan<div style="display:inline-block;width:6px"> </div>modification<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>form<div style="display:inline-block;width:5px"> </div>of a </div><div id="a26274" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">concession for a borrower who is experiencing financial difficulty.<div style="display:inline-block;width:7px"> </div></div><div id="a26279" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:123px;">The following table presents performing and non-performing<div style="display:inline-block;width:5px"> </div>TDRs for the dates indicated (in thousands):</div></div><div id="TextBlockContainer592" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:139px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26454" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The Company had<div style="display:inline-block;width:5px"> </div>allocated $</div><div id="a26454_27_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:208px;top:0px;">294</div><div id="a26454_30_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:0px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a26454_45_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:0px;">360</div><div id="a26454_48_62" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:0px;"><div style="display:inline-block;width:4px"> </div>thousand of specific<div style="display:inline-block;width:5px"> </div>allowance for TDR<div style="display:inline-block;width:5px"> </div>loans at December<div style="display:inline-block;width:5px"> </div>31, </div><div id="a26465" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">2022 and 2021,<div style="display:inline-block;width:2px"> </div>respectively. Charge-offs on TDR loans for<div style="display:inline-block;width:2px"> </div>the years<div style="display:inline-block;width:2px"> </div>ended December 31, 2022<div style="display:inline-block;width:2px"> </div>and 2021 was<div style="display:inline-block;width:2px"> </div>$</div><div id="a26465_106_1" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:660px;top:15px;-sec-ix-hidden:ID_1302;">0</div><div id="a26465_107_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:15px;"><div style="display:inline-block;width:3px"> </div>thousand </div><div id="a26486" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">and $</div><div id="a26486_5_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:31px;">18</div><div id="a26486_7_35" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:31px;"><div style="display:inline-block;width:4px"> </div>thousand, respectively.<div style="display:inline-block;width:5px"> </div>There was </div><div id="a26486_42_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:31px;">no</div><div id="a26486_44_61" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:278px;top:31px;"><div style="display:inline-block;width:4px"> </div>commitment to lend additional funds to these TDR<div style="display:inline-block;width:5px"> </div>customers. </div><div id="a26494" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">The Company<div style="display:inline-block;width:6px"> </div>did </div><div id="a26494_16_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:141px;top:61px;">no</div><div id="a26494_18_46" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:156px;top:61px;">t have<div style="display:inline-block;width:6px"> </div>any new<div style="display:inline-block;width:6px"> </div>TDR<div style="display:inline-block;width:5px"> </div>loans, loan<div style="display:inline-block;width:6px"> </div>modifications, </div><div id="a26494_64_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:443px;top:61px;">no</div><div id="a26494_66_44" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:457px;top:61px;">r defaults<div style="display:inline-block;width:6px"> </div>for the<div style="display:inline-block;width:6px"> </div>years ended<div style="display:inline-block;width:6px"> </div>December 31, </div><div id="a26508" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">2022 and December 31, 2021. </div><div id="a26514" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:107px;">During the year<div style="display:inline-block;width:2px"> </div>ended December 31, 2022<div style="display:inline-block;width:2px"> </div>and 2021, the<div style="display:inline-block;width:2px"> </div>Company did </div><div id="a26514_66_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:444px;top:107px;">no</div><div id="a26514_68_45" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:107px;">t modify<div style="display:inline-block;width:2px"> </div>any new loans<div style="display:inline-block;width:2px"> </div>to borrowers impacted </div><div id="a26518" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">by COVID-19. At December 31, 2022, there was </div><div id="a26518_45_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:294px;top:123px;">no</div><div id="a26518_47_41" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:123px;"><div style="display:inline-block;width:4px"> </div>loan past due that was modified in 2021.</div></div><div id="TextBlockContainer535" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:212px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:357px;top:0px;">December 31, 2022 </div><div id="a22313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:563px;top:0px;">December 31, 2021 </div><div id="a22317" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:352px;top:34px;">Total </div><div id="a22320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:433px;top:20px;">Percent of </div><div id="a22321" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:448px;top:34px;">Total </div><div id="a22325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:558px;top:34px;">Total </div><div id="a22328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:638px;top:20px;">Percent of </div><div id="a22329" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:654px;top:34px;">Total </div><div id="a22332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">Residential Real Estate </div><div id="a22334" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:317px;top:50px;">$ </div><div id="a22336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:50px;">185,636</div><div id="a22339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:50px;">12.3</div><div id="a22341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:50px;">% </div><div id="a22344" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:50px;">$ </div><div id="a22346" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:50px;">201,359</div><div id="a22349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:50px;">16.9</div><div id="a22351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:50px;">% </div><div id="a22353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Commercial Real Estate </div><div id="a22356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:66px;">970,410</div><div id="a22359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:66px;">64.4</div><div id="a22361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:66px;">% </div><div id="a22365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:66px;">704,988</div><div id="a22368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:66px;">59.2</div><div id="a22370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:66px;">% </div><div id="a22372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:81px;">Commercial and Industrial </div><div id="a22375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:82px;">126,984</div><div id="a22378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:82px;">8.4</div><div id="a22380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:82px;">% </div><div id="a22384" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:82px;">146,592</div><div id="a22387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:82px;">12.3</div><div id="a22389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:82px;">% </div><div id="a22391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Foreign Banks </div><div id="a22394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:374px;top:98px;">93,769</div><div id="a22397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:98px;">6.2</div><div id="a22399" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:98px;">% </div><div id="a22403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:98px;">59,491</div><div id="a22406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:98px;">5.0</div><div id="a22408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:98px;">% </div><div id="a22410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:113px;">Consumer and Other<div style="display:inline-block;width:3px"> </div></div><div id="a22413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:114px;">130,429</div><div id="a22416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:114px;">8.7</div><div id="a22418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:114px;">% </div><div id="a22422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:114px;">79,229</div><div id="a22425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:114px;">6.6</div><div id="a22427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:114px;">% </div><div id="a22429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:130px;">Total<div style="display:inline-block;width:5px"> </div>gross loans </div><div id="a22432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:131px;">1,507,228</div><div id="a22435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:470px;top:131px;">100.0</div><div id="a22437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:131px;">% </div><div id="a22441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:131px;">1,191,659</div><div id="a22444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:131px;">100.0</div><div id="a22446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:131px;">% </div><div id="a22448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:148px;">Less: Unearned income </div><div id="a22451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:386px;top:148px;display:flex;">(110)</div><div id="a22458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:586px;top:148px;">1,578</div><div id="a22463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:163px;">Total<div style="display:inline-block;width:5px"> </div>loans net of unearned income </div><div id="a22466" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:164px;">1,507,338</div><div id="a22473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:164px;">1,190,081</div><div id="a22478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:179px;">Less: Allowance for credit losses </div><div id="a22481" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:374px;top:180px;">17,487</div><div id="a22488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:180px;">15,057</div><div id="a22493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:196px;">Total<div style="display:inline-block;width:5px"> </div>net loans </div><div id="a22496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:317px;top:197px;">$ </div><div id="a22498" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:197px;">1,489,851</div><div id="a22501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:420px;top:197px;"><div style="display:inline-block;width:3px"> </div></div><div id="a22505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:197px;">$ </div><div id="a22507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:197px;">1,175,024</div></div><div id="TextBlockContainer544" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:240px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_542_XBRL_TS_a2746e0407f24eb8ba4028c6778b7623" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer543" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:240px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:212px;top:0px;">Residential </div><div id="a22711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:211px;top:14px;">Real Estate </div><div id="a22714" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:296px;top:0px;">Commercial </div><div id="a22716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:298px;top:14px;">Real Estate </div><div id="a22719" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:386px;top:0px;">Commercial </div><div id="a22721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:381px;top:14px;">and Industrial </div><div id="a22724" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:487px;top:0px;">Foreign </div><div id="a22725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:492px;top:14px;">Banks </div><div id="a22728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:567px;top:0px;">Consumer </div><div id="a22729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:568px;top:14px;">and Other </div><div id="a22732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:669px;top:14px;">Total </div><div id="a22734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:29px;">December 31, 2022: </div><div id="a22753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:45px;">Beginning balance </div><div id="a22755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:46px;">$ </div><div id="a22757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:46px;">2,498</div><div id="a22760" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:46px;">$ </div><div id="a22762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:46px;">8,758</div><div id="a22765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:46px;">$ </div><div id="a22767" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:46px;">2,775</div><div id="a22770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:46px;">$ </div><div id="a22772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:46px;">457</div><div id="a22775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:46px;">$ </div><div id="a22777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:46px;">569</div><div id="a22780" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:46px;">$ </div><div id="a22782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:46px;">15,057</div><div id="a22784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:61px;">Provision for credit losses </div><div id="a22787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:247px;top:62px;display:flex;">(1,179)</div><div id="a22791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:62px;">1,385</div><div id="a22795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:62px;">1,474</div><div id="a22799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:62px;">263</div><div id="a22803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:62px;">552</div><div id="a22807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:62px;">2,495</div><div id="a22809" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:77px;">Recoveries </div><div id="a22812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:267px;top:78px;">33</div><div id="a22816" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:78px;">- </div><div id="a22820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:446px;top:78px;">18</div><div id="a22824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:78px;">- </div><div id="a22828" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:627px;top:78px;">4</div><div id="a22832" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:78px;">55</div><div id="a22834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:93px;">Charge-offs </div><div id="a22839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:277px;top:94px;">- </div><div id="a22843" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:94px;">- </div><div id="a22847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:436px;top:94px;display:flex;">(104)</div><div id="a22851" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:94px;">- </div><div id="a22855" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:94px;display:flex;">(16)</div><div id="a22859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:94px;display:flex;">(120)</div><div id="a22861" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:110px;">Ending Balance<div style="display:inline-block;width:3px"> </div></div><div id="a22863" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:111px;">$ </div><div id="a22865" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:111px;">1,352</div><div id="a22868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:111px;">$ </div><div id="a22870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:331px;top:111px;">10,143</div><div id="a22873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:111px;">$ </div><div id="a22875" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:111px;">4,163</div><div id="a22878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:111px;">$ </div><div id="a22880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:111px;">720</div><div id="a22883" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:111px;">$ </div><div id="a22885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:111px;">1,109</div><div id="a22888" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:111px;">$ </div><div id="a22890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:111px;">17,487</div><div id="a22910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:143px;">December 31, 2021: </div><div id="a22929" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:159px;">Beginning balance </div><div id="a22931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:160px;">$ </div><div id="a22933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:160px;">3,408</div><div id="a22936" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:160px;">$ </div><div id="a22938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:160px;">9,453</div><div id="a22941" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:160px;">$ </div><div id="a22943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:160px;">1,689</div><div id="a22946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:160px;">$ </div><div id="a22948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:160px;">348</div><div id="a22951" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:160px;">$ </div><div id="a22953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:160px;">188</div><div id="a22956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:160px;">$ </div><div id="a22958" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:160px;">15,086</div><div id="a22960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:175px;">Provision for credit losses </div><div id="a22963" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:257px;top:176px;display:flex;">(919)</div><div id="a22967" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:176px;display:flex;">(695)</div><div id="a22971" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:176px;">955</div><div id="a22975" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:176px;">109</div><div id="a22979" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:176px;">390</div><div id="a22983" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:176px;display:flex;">(160)</div><div id="a22985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Recoveries </div><div id="a22988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:192px;">238</div><div id="a22992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:192px;">- </div><div id="a22996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:192px;">149</div><div id="a23000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:192px;">- </div><div id="a23004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:627px;top:192px;">5</div><div id="a23008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:192px;">392</div><div id="a23010" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:207px;">Charge-offs </div><div id="a23015" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:257px;top:208px;display:flex;">(229)</div><div id="a23019" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:208px;">- </div><div id="a23023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:208px;display:flex;">(18)</div><div id="a23027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:208px;">- </div><div id="a23031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:208px;display:flex;">(14)</div><div id="a23035" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:208px;display:flex;">(261)</div><div id="a23037" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:224px;">Ending Balance<div style="display:inline-block;width:3px"> </div></div><div id="a23039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:225px;">$ </div><div id="a23041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:225px;">2,498</div><div id="a23044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:225px;">$ </div><div id="a23046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:225px;">8,758</div><div id="a23049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:225px;">$ </div><div id="a23051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:225px;">2,775</div><div id="a23054" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:225px;">$ </div><div id="a23056" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:225px;">457</div><div id="a23059" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:225px;">$ </div><div id="a23061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:225px;">569</div><div id="a23064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:225px;">$ </div><div id="a23066" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:225px;">15,057</div></div></div></div><div id="TextBlockContainer549" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:366px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:227px;top:0px;">Residential </div><div id="a23105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:226px;top:14px;">Real Estate </div><div id="a23108" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:308px;top:0px;">Commercial </div><div id="a23110" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:310px;top:14px;">Real Estate </div><div id="a23113" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:397px;top:0px;">Commercial </div><div id="a23114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:392px;top:14px;">and Industrial </div><div id="a23117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:497px;top:0px;">Foreign </div><div id="a23118" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:501px;top:14px;">Banks </div><div id="a23121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:572px;top:0px;">Consumer </div><div id="a23122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:14px;">and Other </div><div id="a23125" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:14px;">Total </div><div id="a23127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:29px;">December 31, 2022: </div><div id="a23146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:45px;">Allowance for credit losses: </div><div id="a23165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:61px;">Individually evaluated for impairment </div><div id="a23167" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:62px;">$ </div><div id="a23169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:275px;top:62px;">155</div><div id="a23172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:62px;">$ </div><div id="a23174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:62px;">- </div><div id="a23177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:62px;">$ </div><div id="a23179" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:62px;">41</div><div id="a23182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:62px;">$ </div><div id="a23184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:62px;">- </div><div id="a23187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:62px;">$ </div><div id="a23189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:62px;">98</div><div id="a23192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:62px;">$ </div><div id="a23194" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:62px;">294</div><div id="a23196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Collectively evaluated for impairment </div><div id="a23199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:78px;">1,197</div><div id="a23203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:343px;top:78px;">10,143</div><div id="a23207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:78px;">4,122</div><div id="a23211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:78px;">720</div><div id="a23215" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:608px;top:78px;">1,011</div><div id="a23219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:78px;">17,193</div><div id="a23221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:93px;">Balances, end of period </div><div id="a23223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:94px;">$ </div><div id="a23225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:94px;">1,352</div><div id="a23228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:94px;">$ </div><div id="a23230" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:343px;top:94px;">10,143</div><div id="a23233" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:94px;">$ </div><div id="a23235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:94px;">4,163</div><div id="a23238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:94px;">$ </div><div id="a23240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:94px;">720</div><div id="a23243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:94px;">$ </div><div id="a23245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:608px;top:94px;">1,109</div><div id="a23248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:94px;">$ </div><div id="a23250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:94px;">17,487</div><div id="a23270" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Loans: </div><div id="a23289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:141px;">Individually evaluated for impairment </div><div id="a23291" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:142px;">$ </div><div id="a23293" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:142px;">7,206</div><div id="a23296" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:142px;">$ </div><div id="a23298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:360px;top:142px;">393</div><div id="a23301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:142px;">$ </div><div id="a23303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:142px;">82</div><div id="a23306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:142px;">$ </div><div id="a23308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:142px;">- </div><div id="a23311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:142px;">$ </div><div id="a23313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:142px;">196</div><div id="a23316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:142px;">$ </div><div id="a23318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:142px;">7,877</div><div id="a23320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:157px;">Collectively evaluated for impairment </div><div id="a23323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:158px;">178,430</div><div id="a23327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:158px;">970,017</div><div id="a23331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:158px;">126,902</div><div id="a23335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:158px;">93,769</div><div id="a23339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:158px;">130,233</div><div id="a23343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:158px;">1,499,351</div><div id="a23345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:173px;">Balances, end of period </div><div id="a23347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:174px;">$ </div><div id="a23349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:174px;">185,636</div><div id="a23352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:174px;">$ </div><div id="a23354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:174px;">970,410</div><div id="a23357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:174px;">$ </div><div id="a23359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:174px;">126,984</div><div id="a23362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:174px;">$ </div><div id="a23364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:174px;">93,769</div><div id="a23367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:174px;">$ </div><div id="a23369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:174px;">130,429</div><div id="a23372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:174px;">$ </div><div id="a23374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:174px;">1,507,228</div><div id="a23394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:205px;">December 31, 2021: </div><div id="a23413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:221px;">Allowance for credit losses: </div><div id="a23432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:237px;">Individually evaluated for impairment </div><div id="a23434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:238px;">$ </div><div id="a23436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:275px;top:238px;">178</div><div id="a23439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:238px;">$ </div><div id="a23441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:238px;">- </div><div id="a23444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:238px;">$ </div><div id="a23446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:238px;">71</div><div id="a23449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:238px;">$ </div><div id="a23451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:238px;">- </div><div id="a23454" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:238px;">$ </div><div id="a23456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:238px;">111</div><div id="a23459" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:238px;">$ </div><div id="a23461" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:238px;">360</div><div id="a23463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:253px;">Collectively evaluated for impairment </div><div id="a23466" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:254px;">2,320</div><div id="a23470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:254px;">8,758</div><div id="a23474" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:254px;">2,704</div><div id="a23478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:254px;">457</div><div id="a23482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:254px;">458</div><div id="a23486" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:254px;">14,697</div><div id="a23488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:269px;">Balances, end of period </div><div id="a23490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:270px;">$ </div><div id="a23492" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:270px;">2,498</div><div id="a23495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:270px;">$ </div><div id="a23497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:270px;">8,758</div><div id="a23500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:270px;">$ </div><div id="a23502" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:270px;">2,775</div><div id="a23505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:270px;">$ </div><div id="a23507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:270px;">457</div><div id="a23510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:270px;">$ </div><div id="a23512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:270px;">569</div><div id="a23515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:270px;">$ </div><div id="a23517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:270px;">15,057</div><div id="a23537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:301px;">Loans: </div><div id="a23556" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:317px;">Individually evaluated for impairment </div><div id="a23558" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:318px;">$ </div><div id="a23560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:318px;">9,006</div><div id="a23563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:318px;">$ </div><div id="a23565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:360px;top:318px;">696</div><div id="a23568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:318px;">$ </div><div id="a23570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:452px;top:318px;">141</div><div id="a23573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:318px;">$ </div><div id="a23575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:318px;">- </div><div id="a23578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:318px;">$ </div><div id="a23580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:318px;">224</div><div id="a23583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:318px;">$ </div><div id="a23585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:318px;">10,067</div><div id="a23587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:333px;">Collectively evaluated for impairment </div><div id="a23590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:334px;">192,353</div><div id="a23594" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:334px;">704,292</div><div id="a23598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:334px;">146,451</div><div id="a23602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:334px;">59,491</div><div id="a23606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:601px;top:334px;">79,005</div><div id="a23610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:334px;">1,181,592</div><div id="a23612" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:349px;">Balances, end of period </div><div id="a23614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:350px;">$ </div><div id="a23616" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:350px;">201,359</div><div id="a23619" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:350px;">$ </div><div id="a23621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:350px;">704,988</div><div id="a23624" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:350px;">$ </div><div id="a23626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:350px;">146,592</div><div id="a23629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:350px;">$ </div><div id="a23631" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:350px;">59,491</div><div id="a23634" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:350px;">$ </div><div id="a23636" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:601px;top:350px;">79,229</div><div id="a23639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:350px;">$ </div><div id="a23641" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:350px;">1,191,659</div></div><div id="TextBlockContainer555" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:410px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:0px;">As of December 31, 2022 </div><div id="a23741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:341px;top:29px;">Pass </div><div id="a23744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:415px;top:15px;">Special </div><div id="a23745" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:29px;">Mention </div><div id="a23748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:29px;">Substandard </div><div id="a23751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:575px;top:29px;">Doubtful </div><div id="a23754" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:647px;top:29px;">Total Loans </div><div id="a23756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:44px;">Residential real estate: </div><div id="a23772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:60px;">Home equity line of credit ("HELOC") and other </div><div id="a23774" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:61px;">$ </div><div id="a23776" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:61px;">623</div><div id="a23779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:61px;">$ </div><div id="a23781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:61px;">- </div><div id="a23784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:61px;">$ </div><div id="a23786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:61px;">- </div><div id="a23789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:61px;">$ </div><div id="a23791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:61px;">- </div><div id="a23794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:61px;">$ </div><div id="a23796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:61px;">623</div><div id="a23798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:76px;">1-4 family residential </div><div id="a23803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:77px;">132,178</div><div id="a23807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:77px;">- </div><div id="a23811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:77px;">- </div><div id="a23815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:77px;">- </div><div id="a23819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:77px;">132,178</div><div id="a23821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:92px;">Condo residential </div><div id="a23824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:93px;">52,835</div><div id="a23828" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:93px;">- </div><div id="a23832" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:93px;">- </div><div id="a23836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:93px;">- </div><div id="a23840" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:93px;">52,835</div><div id="a23844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:109px;">185,636</div><div id="a23848" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:109px;">- </div><div id="a23852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:109px;">- </div><div id="a23856" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:109px;">- </div><div id="a23860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:109px;">185,636</div><div id="a23862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:124px;">Commercial real estate: </div><div id="a23878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:140px;">Land and construction </div><div id="a23881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:141px;">38,687</div><div id="a23885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:141px;">- </div><div id="a23889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:141px;">- </div><div id="a23893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:141px;">- </div><div id="a23897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:141px;">38,687</div><div id="a23899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:156px;">Multi family residential </div><div id="a23902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:157px;">176,820</div><div id="a23906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:157px;">- </div><div id="a23910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:157px;">- </div><div id="a23914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:157px;">- </div><div id="a23918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:157px;">176,820</div><div id="a23920" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:172px;">Condo commercial </div><div id="a23923" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:173px;">49,601</div><div id="a23927" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:173px;">- </div><div id="a23931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:173px;">393</div><div id="a23935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:173px;">- </div><div id="a23939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:173px;">49,994</div><div id="a23941" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:188px;">Commercial property </div><div id="a23944" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:189px;">702,357</div><div id="a23948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:189px;">- </div><div id="a23952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:189px;">2,552 </div><div id="a23956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:189px;">- </div><div id="a23960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:189px;">704,909</div><div id="a23962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:204px;">Leasehold improvements </div><div id="a23965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:205px;-sec-ix-hidden:ID_1063;">-</div><div id="a23969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:205px;">- </div><div id="a23973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:205px;">- </div><div id="a23977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:205px;">- </div><div id="a23981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:205px;-sec-ix-hidden:ID_1057;">-</div><div id="a23985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:221px;">967,465</div><div id="a23989" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:221px;">- </div><div id="a23993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:221px;">2,945</div><div id="a23997" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:221px;">- </div><div id="a24001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:221px;">970,410</div><div id="a24003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:236px;">Commercial and industrial:</div><div id="a24004" style="position:absolute;font-family:'Arial';font-size:6.72px;font-weight:normal;font-style:normal;color:#000000;left:147px;top:237px;">(1)</div><div id="a24020" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:252px;">Secured </div><div id="a24024" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:253px;">120,873</div><div id="a24028" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:253px;">- </div><div id="a24032" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:253px;">807</div><div id="a24036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:253px;">- </div><div id="a24040" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:253px;">121,680</div><div id="a24042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:268px;">Unsecured </div><div id="a24045" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:269px;">5,304</div><div id="a24049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:269px;">- </div><div id="a24053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:269px;">- </div><div id="a24057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:269px;">- </div><div id="a24061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:269px;">5,304</div><div id="a24065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:285px;">126,177</div><div id="a24069" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:285px;">- </div><div id="a24073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:285px;">807</div><div id="a24077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:285px;">- </div><div id="a24081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:285px;">126,984</div><div id="a24098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:316px;">Foreign banks </div><div id="a24101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:317px;">93,769</div><div id="a24105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:317px;">- </div><div id="a24109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:317px;">- </div><div id="a24113" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:317px;">- </div><div id="a24117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:317px;">93,769</div><div id="a24119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:332px;">Consumer and other loans </div><div id="a24122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:333px;">130,233</div><div id="a24126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:333px;">- </div><div id="a24130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:333px;">196</div><div id="a24134" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:333px;">- </div><div id="a24138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:333px;">130,429</div><div id="a24155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:365px;">Total </div><div id="a24157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:366px;">$ </div><div id="a24159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:341px;top:366px;">1,503,280</div><div id="a24162" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:366px;">$ </div><div id="a24164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:366px;">- </div><div id="a24167" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:366px;">$ </div><div id="a24169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:366px;">3,948</div><div id="a24172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:366px;">$ </div><div id="a24174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:366px;">- </div><div id="a24177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:366px;">$ </div><div id="a24179" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:366px;">1,507,228</div><div id="a24196" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:397px;">(1)<div style="display:inline-block;width:6px"> </div>All outstanding PPP loans were internally graded<div style="display:inline-block;width:2px"> </div>pass.</div></div><div id="TextBlockContainer559" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:724px;height:417px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a24221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:0px;">As of December 31, 2021 </div><div id="a24224" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:341px;top:35px;">Pass </div><div id="a24227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:415px;top:21px;">Special </div><div id="a24228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:35px;">Mention </div><div id="a24231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:35px;">Substandard </div><div id="a24234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:575px;top:35px;">Doubtful </div><div id="a24237" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:647px;top:35px;">Total Loans </div><div id="a24239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:50px;">Residential real estate: </div><div id="a24255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:66px;">Home equity line of credit ("HELOC") and other </div><div id="a24257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:67px;">$ </div><div id="a24259" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:67px;">701</div><div id="a24262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:67px;">$ </div><div id="a24264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:67px;">- </div><div id="a24267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:67px;">$ </div><div id="a24269" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:67px;">- </div><div id="a24272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:67px;">$ </div><div id="a24274" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:67px;">- </div><div id="a24277" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:67px;">$ </div><div id="a24279" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:67px;">701</div><div id="a24281" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:82px;">1-4 family residential </div><div id="a24286" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:83px;">130,840</div><div id="a24290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:83px;">- </div><div id="a24294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:83px;">4,581</div><div id="a24298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:83px;">- </div><div id="a24302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:83px;">135,421</div><div id="a24304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:98px;">Condo residential </div><div id="a24307" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:99px;">65,237</div><div id="a24311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:99px;">- </div><div id="a24315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:99px;">- </div><div id="a24319" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:99px;">- </div><div id="a24323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:99px;">65,237</div><div id="a24327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:115px;">196,778</div><div id="a24331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:115px;">- </div><div id="a24335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:115px;">4,581</div><div id="a24339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:115px;">- </div><div id="a24343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:115px;">201,359</div><div id="a24345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Commercial real estate: </div><div id="a24361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:146px;">Land and construction </div><div id="a24364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:147px;">24,581</div><div id="a24368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:147px;">- </div><div id="a24372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:147px;">- </div><div id="a24376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:147px;">- </div><div id="a24380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:147px;">24,581</div><div id="a24382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:162px;">Multi family residential </div><div id="a24385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:163px;">127,489</div><div id="a24389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:163px;">- </div><div id="a24393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:163px;">- </div><div id="a24397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:163px;">- </div><div id="a24401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">127,489</div><div id="a24403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:178px;">Condo commercial </div><div id="a24406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:179px;">41,983</div><div id="a24410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:179px;">- </div><div id="a24414" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:179px;">417</div><div id="a24418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:179px;">- </div><div id="a24422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:179px;">42,400</div><div id="a24424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:194px;">Commercial property </div><div id="a24427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:195px;">509,189</div><div id="a24431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:195px;">1,222</div><div id="a24435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:195px;">- </div><div id="a24439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:195px;">- </div><div id="a24443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:195px;">510,411</div><div id="a24445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:210px;">Leasehold improvements </div><div id="a24448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:211px;">107</div><div id="a24452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:211px;">- </div><div id="a24456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:211px;">- </div><div id="a24460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:211px;">- </div><div id="a24464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:211px;">107</div><div id="a24468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:227px;">703,349</div><div id="a24472" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:227px;">1,222</div><div id="a24476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:227px;">417</div><div id="a24480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:227px;">- </div><div id="a24484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:227px;">704,988</div><div id="a24486" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:242px;">Commercial and industrial:</div><div id="a24487" style="position:absolute;font-family:'Arial';font-size:6.72px;font-weight:normal;font-style:normal;color:#000000;left:147px;top:243px;">(1)</div><div id="a24503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:258px;">Secured </div><div id="a24507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:259px;">97,605</div><div id="a24511" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:259px;">- </div><div id="a24515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:259px;">536</div><div id="a24519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:259px;">- </div><div id="a24523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:259px;">98,141</div><div id="a24525" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:274px;">Unsecured </div><div id="a24528" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:275px;">48,434</div><div id="a24532" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:275px;">- </div><div id="a24536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:544px;top:275px;">17</div><div id="a24540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:275px;">- </div><div id="a24544" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:275px;">48,451</div><div id="a24548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:291px;">146,039</div><div id="a24552" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:291px;">- </div><div id="a24556" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:291px;">553</div><div id="a24560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:291px;">- </div><div id="a24564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:291px;">146,592</div><div id="a24581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:322px;">Foreign banks </div><div id="a24584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:323px;">59,491</div><div id="a24588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:323px;">- </div><div id="a24592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:323px;">- </div><div id="a24596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:323px;">- </div><div id="a24600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:323px;">59,491</div><div id="a24602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:338px;">Consumer and other loans </div><div id="a24605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:339px;">79,005</div><div id="a24609" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:339px;">- </div><div id="a24613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:339px;">224</div><div id="a24617" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:339px;">- </div><div id="a24621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:339px;">79,229</div><div id="a24638" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:371px;">Total </div><div id="a24640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:372px;">$ </div><div id="a24642" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:341px;top:372px;">1,184,662</div><div id="a24645" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:372px;">$ </div><div id="a24647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:372px;">1,222</div><div id="a24650" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:372px;">$ </div><div id="a24652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:372px;">5,775</div><div id="a24655" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:372px;">$ </div><div id="a24657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:372px;">- </div><div id="a24660" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:372px;">$ </div><div id="a24662" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:372px;">1,191,659</div><div id="a24679" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:403px;">(1)<div style="display:inline-block;width:6px"> </div>All outstanding PPP loans were internally graded<div style="display:inline-block;width:2px"> </div>pass.</div></div><div id="TextBlockContainer566" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_564_XBRL_TS_23c9de977b194f81a9da34f36c763a57" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer565" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a24723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:367px;top:0px;">Accruing </div><div id="a24731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:56px;">As of December 31, 2022: </div><div id="a24733" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:56px;">Current </div><div id="a24736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:316px;top:42px;">Past Due 30-</div><div id="a24738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:329px;top:56px;">89 Days </div><div id="a24741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:403px;top:14px;">Past Due &gt; </div><div id="a24742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:399px;top:28px;">90 Days and </div><div id="a24743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:423px;top:42px;">Still </div><div id="a24744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:408px;top:56px;">Accruing </div><div id="a24747" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:503px;top:42px;">Total </div><div id="a24748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:491px;top:56px;">Accruing </div><div id="a24751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:565px;top:56px;">Non-Accrual </div><div id="a24756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:56px;">Total Loans </div><div id="a24758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:71px;">Residential real estate: </div><div id="a24777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:87px;">Home equity line of credit and other </div><div id="a24779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:88px;">$ </div><div id="a24781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:285px;top:88px;">623</div><div id="a24784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:88px;">$ </div><div id="a24786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:88px;">- </div><div id="a24789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:88px;">$ </div><div id="a24791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:88px;">- </div><div id="a24794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:88px;">$ </div><div id="a24796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:88px;">623</div><div id="a24799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:88px;">$ </div><div id="a24801" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:88px;">- </div><div id="a24804" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:88px;">$ </div><div id="a24806" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:88px;">623</div><div id="a24808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:103px;">1-4 family residential </div><div id="a24813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:104px;">131,120</div><div id="a24817" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:104px;">1,058</div><div id="a24821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:104px;">- </div><div id="a24825" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:104px;">132,178</div><div id="a24829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:104px;">- </div><div id="a24833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:104px;">132,178</div><div id="a24835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:119px;">Condo residential </div><div id="a24838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:120px;">50,310</div><div id="a24842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:120px;">2,525</div><div id="a24846" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:120px;">- </div><div id="a24850" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:120px;">52,835</div><div id="a24854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:120px;">- </div><div id="a24858" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:120px;">52,835</div><div id="a24862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:136px;">182,053</div><div id="a24866" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:136px;">3,583</div><div id="a24870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:136px;">- </div><div id="a24874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:136px;">185,636</div><div id="a24878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:136px;">- </div><div id="a24882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:136px;">185,636</div><div id="a24884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Commercial real estate: </div><div id="a24903" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:167px;">Land and construction </div><div id="a24906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:168px;">38,687</div><div id="a24910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:168px;">- </div><div id="a24914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:168px;">- </div><div id="a24918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:168px;">38,687</div><div id="a24922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:168px;">- </div><div id="a24926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:168px;">38,687</div><div id="a24928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:183px;">Multi family residential </div><div id="a24931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:184px;">176,820</div><div id="a24935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:184px;">- </div><div id="a24939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:184px;">- </div><div id="a24943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:184px;">176,820</div><div id="a24947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:184px;">- </div><div id="a24951" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:184px;">176,820</div><div id="a24953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:199px;">Condo commercial </div><div id="a24956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:200px;">49,994</div><div id="a24960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:200px;">- </div><div id="a24964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:200px;">- </div><div id="a24968" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:200px;">49,994</div><div id="a24972" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:200px;">- </div><div id="a24976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:200px;">49,994</div><div id="a24978" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:215px;">Commercial property </div><div id="a24981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:216px;">704,884</div><div id="a24985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:216px;">25</div><div id="a24989" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:216px;">- </div><div id="a24993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:216px;">704,909</div><div id="a24997" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:216px;">- </div><div id="a25001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:216px;">704,909</div><div id="a25003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:231px;">Leasehold improvements </div><div id="a25006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:232px;">- </div><div id="a25010" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:232px;">- </div><div id="a25014" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:232px;">- </div><div id="a25018" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:549px;top:232px;-sec-ix-hidden:ID_1144;">-</div><div id="a25022" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:232px;">- </div><div id="a25026" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:232px;">- </div><div id="a25030" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:248px;">970,385</div><div id="a25034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:248px;">25</div><div id="a25038" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:248px;">- </div><div id="a25042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:248px;">970,410</div><div id="a25046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:248px;">- </div><div id="a25050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:248px;">970,410</div><div id="a25052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:263px;">Commercial and industrial: </div><div id="a25071" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:279px;">Secured </div><div id="a25074" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:280px;">121,649</div><div id="a25078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:280px;">31</div><div id="a25082" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:280px;">- </div><div id="a25086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:280px;">121,680</div><div id="a25090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:280px;">- </div><div id="a25094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:280px;">121,680</div><div id="a25096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:295px;">Unsecured </div><div id="a25099" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:274px;top:296px;">4,332</div><div id="a25103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:366px;top:296px;">972</div><div id="a25107" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:296px;">- </div><div id="a25111" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:296px;">5,304</div><div id="a25115" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:296px;">- </div><div id="a25119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:296px;">5,304</div><div id="a25123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:312px;">125,981</div><div id="a25127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:312px;">1,003</div><div id="a25131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:312px;">- </div><div id="a25135" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:312px;">126,984</div><div id="a25139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:312px;">- </div><div id="a25143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:312px;">126,984</div><div id="a25163" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:343px;">Foreign banks </div><div id="a25166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:344px;">93,769</div><div id="a25170" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:344px;">- </div><div id="a25174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:344px;">- </div><div id="a25178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:344px;">93,769</div><div id="a25182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:344px;">- </div><div id="a25186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:344px;">93,769</div><div id="a25188" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:359px;">Consumer and other </div><div id="a25191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:360px;">130,169</div><div id="a25195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:366px;top:360px;">260</div><div id="a25199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:360px;">- </div><div id="a25203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:360px;">130,429</div><div id="a25207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:360px;">- </div><div id="a25211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:360px;">130,429</div><div id="a25231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:392px;">Total </div><div id="a25233" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:393px;">$ </div><div id="a25235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:393px;">1,502,357</div><div id="a25238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:393px;">$ </div><div id="a25240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:393px;">4,871</div><div id="a25243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:393px;">$ </div><div id="a25245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:465px;top:393px;">- </div><div id="a25248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:393px;">$ </div><div id="a25250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:393px;">1,507,228</div><div id="a25253" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:393px;">$ </div><div id="a25255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:393px;">- </div><div id="a25258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:393px;">$ </div><div id="a25260" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:393px;">1,507,228</div></div></div></div><div id="TextBlockContainer569" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a25284" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:364px;top:0px;">Accruing </div><div id="a25292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:56px;">As of December 31, 2021: </div><div id="a25294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:244px;top:56px;">Current </div><div id="a25297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:324px;top:42px;">Past Due </div><div id="a25298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:318px;top:56px;">30-89 Days </div><div id="a25303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:400px;top:14px;">Past Due &gt; </div><div id="a25304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:396px;top:28px;">90 Days and </div><div id="a25305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:420px;top:42px;">Still </div><div id="a25306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:405px;top:56px;">Accruing </div><div id="a25309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:500px;top:42px;">Total </div><div id="a25310" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:489px;top:56px;">Accruing </div><div id="a25313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:563px;top:56px;">Non-Accrual </div><div id="a25318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:648px;top:56px;">Total Loans </div><div id="a25320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:71px;">Residential real estate: </div><div id="a25339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:87px;">Home equity line of credit and other </div><div id="a25341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:88px;">$ </div><div id="a25343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:279px;top:88px;">701</div><div id="a25346" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:88px;">$ </div><div id="a25348" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:88px;">- </div><div id="a25351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:395px;top:88px;">$ </div><div id="a25353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:88px;">- </div><div id="a25356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:88px;">$ </div><div id="a25358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:88px;">701</div><div id="a25361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:562px;top:88px;">$ </div><div id="a25363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:88px;">- </div><div id="a25366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:88px;">$ </div><div id="a25368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:695px;top:88px;">701</div><div id="a25370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:103px;">1-4 family residential </div><div id="a25375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:104px;">133,942</div><div id="a25379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:104px;">289</div><div id="a25383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:104px;">- </div><div id="a25387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:104px;">134,231</div><div id="a25391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:104px;">1,190</div><div id="a25395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:104px;">135,421</div><div id="a25397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:119px;">Condo residential </div><div id="a25400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:120px;">64,243</div><div id="a25404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:120px;">994</div><div id="a25408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:120px;">- </div><div id="a25412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:120px;">65,237</div><div id="a25416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:120px;">- </div><div id="a25420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:120px;">65,237</div><div id="a25424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:136px;">198,886</div><div id="a25428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:136px;">1,283</div><div id="a25432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:136px;">- </div><div id="a25436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:136px;">200,169</div><div id="a25440" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:136px;">1,190</div><div id="a25444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:136px;">201,359</div><div id="a25446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Commercial real estate: </div><div id="a25465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:167px;">Land and construction </div><div id="a25468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:168px;">24,581</div><div id="a25472" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:168px;">- </div><div id="a25476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:168px;">- </div><div id="a25480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:168px;">24,581</div><div id="a25484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:168px;">- </div><div id="a25488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:168px;">24,581</div><div id="a25490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:183px;">Multi family residential </div><div id="a25493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:184px;">127,053</div><div id="a25497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:184px;">436</div><div id="a25501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:184px;">- </div><div id="a25505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:184px;">127,489</div><div id="a25509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:184px;">- </div><div id="a25513" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:184px;">127,489</div><div id="a25515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:199px;">Condo commercial </div><div id="a25518" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:200px;">42,400</div><div id="a25522" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:200px;">- </div><div id="a25526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:200px;">- </div><div id="a25530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:200px;">42,400</div><div id="a25534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:200px;">- </div><div id="a25538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:200px;">42,400</div><div id="a25540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:215px;">Commercial property </div><div id="a25543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:216px;">510,411</div><div id="a25547" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:216px;">- </div><div id="a25551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:216px;">- </div><div id="a25555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:216px;">510,411</div><div id="a25559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:216px;">- </div><div id="a25563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:216px;">510,411</div><div id="a25565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:231px;">Leasehold improvements </div><div id="a25568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:279px;top:232px;">107</div><div id="a25572" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:232px;">- </div><div id="a25576" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:232px;">- </div><div id="a25580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:232px;">107</div><div id="a25584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:232px;">- </div><div id="a25588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:695px;top:232px;">107</div><div id="a25592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:248px;">704,552</div><div id="a25596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:248px;">436</div><div id="a25600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:248px;">- </div><div id="a25604" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:248px;">704,988</div><div id="a25608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:248px;">- </div><div id="a25612" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:248px;">704,988</div><div id="a25614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:263px;">Commercial and industrial: </div><div id="a25633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:279px;">Secured </div><div id="a25636" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:280px;">98,141</div><div id="a25640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:280px;">- </div><div id="a25644" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:280px;">- </div><div id="a25648" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:280px;">98,141</div><div id="a25652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:280px;">- </div><div id="a25656" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:280px;">98,141</div><div id="a25658" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:295px;">Unsecured </div><div id="a25661" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:296px;">48,041</div><div id="a25665" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:296px;">410</div><div id="a25669" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:296px;">- </div><div id="a25673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:296px;">48,451</div><div id="a25677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:296px;">- </div><div id="a25681" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:296px;">48,451</div><div id="a25685" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:312px;">146,182</div><div id="a25689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:312px;">410</div><div id="a25693" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:312px;">- </div><div id="a25697" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:312px;">146,592</div><div id="a25701" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:312px;">- </div><div id="a25705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:312px;">146,592</div><div id="a25725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:343px;">Foreign banks </div><div id="a25728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:344px;">59,491</div><div id="a25732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:344px;">- </div><div id="a25736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:344px;">- </div><div id="a25740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:344px;">59,491</div><div id="a25744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:344px;">- </div><div id="a25748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:344px;">59,491</div><div id="a25750" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:359px;">Consumer and other </div><div id="a25753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:360px;">78,969</div><div id="a25757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:360px;">260</div><div id="a25761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:360px;">- </div><div id="a25765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:360px;">79,229</div><div id="a25769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:360px;">- </div><div id="a25773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:360px;">79,229</div><div id="a25793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:392px;">Total </div><div id="a25795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:393px;">$ </div><div id="a25797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:393px;">1,188,080</div><div id="a25800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:393px;">$ </div><div id="a25802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:393px;">2,389</div><div id="a25805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:395px;top:393px;">$ </div><div id="a25807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:393px;">- </div><div id="a25810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:393px;">$ </div><div id="a25812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:495px;top:393px;">1,190,469</div><div id="a25815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:562px;top:393px;">$ </div><div id="a25817" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:393px;">1,190</div><div id="a25820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:393px;">$ </div><div id="a25822" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:662px;top:393px;">1,191,659</div></div><div id="TextBlockContainer575" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:230px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a25873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:335px;top:0px;">December 31, 2022 </div><div id="a25876" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:560px;top:0px;">December 31, 2021 </div><div id="a25879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:294px;top:25px;">Unpaid </div><div id="a25880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:289px;top:39px;">Principal </div><div id="a25881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:292px;top:53px;">Balance </div><div id="a25884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:380px;top:25px;">Net </div><div id="a25885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:358px;top:39px;">Investment </div><div id="a25886" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:367px;top:53px;">Balance </div><div id="a25889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:437px;top:39px;">Valuation </div><div id="a25890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:435px;top:53px;">Allowance </div><div id="a25893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:519px;top:25px;">Unpaid </div><div id="a25894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:514px;top:39px;">Principal </div><div id="a25895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:517px;top:53px;">Balance </div><div id="a25898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:605px;top:25px;">Net </div><div id="a25899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:583px;top:39px;">Investment </div><div id="a25900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:592px;top:53px;">Balance </div><div id="a25903" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:663px;top:39px;">Valuation </div><div id="a25904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:660px;top:53px;">Allowance </div><div id="a25906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:68px;">Impaired Loans with No Specific Allowance: </div><div id="a25926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:84px;">Residential real estate </div><div id="a25928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:280px;top:85px;">$ </div><div id="a25930" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:85px;">3,551</div><div id="a25933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:85px;">$ </div><div id="a25935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:85px;">3,544</div><div id="a25938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:85px;">$ </div><div id="a25940" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:85px;">- </div><div id="a25943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:85px;">$ </div><div id="a25945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:85px;">5,021</div><div id="a25948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:85px;">$ </div><div id="a25950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:85px;">5,035</div><div id="a25953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:655px;top:85px;">$ </div><div id="a25955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:85px;">- </div><div id="a25957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:100px;">Commercial real estate </div><div id="a25960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:326px;top:101px;">393</div><div id="a25964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:101px;">393</div><div id="a25968" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:101px;">- </div><div id="a25972" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:101px;">696</div><div id="a25976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:101px;">695</div><div id="a25980" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:101px;">- </div><div id="a25984" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:117px;">3,944</div><div id="a25988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:117px;">3,937</div><div id="a25992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:117px;">- </div><div id="a25996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:117px;">5,717</div><div id="a26000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:117px;">5,730</div><div id="a26004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:117px;">- </div><div id="a26006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:132px;">Impaired Loans with Specific Allowance: </div><div id="a26025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:148px;">Residential real estate </div><div id="a26028" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:149px;">3,655</div><div id="a26032" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:149px;">3,626</div><div id="a26036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:149px;">155</div><div id="a26040" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:149px;">3,985</div><div id="a26044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:149px;">3,950</div><div id="a26048" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:149px;">178</div><div id="a26050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:164px;">Commercial and industrial </div><div id="a26053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:332px;top:165px;">82</div><div id="a26057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:407px;top:165px;">82</div><div id="a26061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:482px;top:165px;">41</div><div id="a26065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:165px;">141</div><div id="a26069" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:165px;">141</div><div id="a26073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:165px;">71</div><div id="a26075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:180px;">Consumer and other </div><div id="a26078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:326px;top:181px;">196</div><div id="a26082" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:181px;">196</div><div id="a26086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:482px;top:181px;">98</div><div id="a26090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:181px;">224</div><div id="a26094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:181px;">224</div><div id="a26098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:181px;">111</div><div id="a26102" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:197px;">3,933</div><div id="a26106" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:197px;">3,904</div><div id="a26110" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:197px;">294</div><div id="a26114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:197px;">4,350</div><div id="a26118" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:197px;">4,315</div><div id="a26122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:197px;">360</div><div id="a26124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:213px;">Total </div><div id="a26126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:280px;top:214px;">$ </div><div id="a26128" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:214px;">7,877</div><div id="a26131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:214px;">$ </div><div id="a26133" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:214px;">7,841</div><div id="a26136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:214px;">$ </div><div id="a26138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:214px;">294</div><div id="a26141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:214px;">$ </div><div id="a26143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:534px;top:214px;">10,067</div><div id="a26146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:214px;">$ </div><div id="a26148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:214px;">10,045</div><div id="a26151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:655px;top:214px;">$ </div><div id="a26153" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:214px;">360</div></div><div id="TextBlockContainer584" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_582_XBRL_TS_0d211913ebca4eeba293d0d6df1d1ac8" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer583" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a26198" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a26200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Residential real estate </div><div id="a26202" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:16px;">$ </div><div id="a26204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:16px;">7,626</div><div id="a26207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:16px;">$ </div><div id="a26209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:16px;">8,791</div><div id="a26211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Commercial real estate </div><div id="a26214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:32px;">575</div><div id="a26218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:32px;">714</div><div id="a26220" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Commercial and industrial </div><div id="a26223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:48px;">109</div><div id="a26227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:48px;">178</div><div id="a26229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Consumer and other </div><div id="a26232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:64px;">210</div><div id="a26236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:64px;">254</div><div id="a26238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total </div><div id="a26240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:81px;">$ </div><div id="a26242" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:81px;">8,520</div><div id="a26245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:81px;">$ </div><div id="a26247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:81px;">9,937</div></div></div></div><div id="TextBlockContainer589" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:129px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:259px;top:0px;">December 31, 2022 </div><div id="a26290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:535px;top:0px;">December 31, 2021 </div><div id="a26293" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:179px;top:33px;">Accrual Status </div><div id="a26296" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:277px;top:19px;">Non-Accrual </div><div id="a26299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:295px;top:33px;">Status </div><div id="a26302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:33px;">Total TDRs </div><div id="a26305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:455px;top:33px;">Accrual Status </div><div id="a26308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:553px;top:19px;">Non-Accrual </div><div id="a26311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:33px;">Status </div><div id="a26314" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:649px;top:33px;">Total TDRs </div><div id="a26316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Residential real estate </div><div id="a26318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:177px;top:49px;">$ </div><div id="a26320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:49px;">7,206</div><div id="a26323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:49px;">$ </div><div id="a26325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:49px;">- </div><div id="a26328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:49px;">$ </div><div id="a26330" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:49px;">7,206</div><div id="a26333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:49px;">$ </div><div id="a26335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:49px;">7,815</div><div id="a26338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:49px;">$ </div><div id="a26340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:49px;">- </div><div id="a26343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:49px;">$ </div><div id="a26345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:49px;">7,815</div><div id="a26347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Commercial real estate </div><div id="a26350" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:241px;top:65px;">393</div><div id="a26354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:65px;">- </div><div id="a26358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:425px;top:65px;">393</div><div id="a26362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:65px;">696</div><div id="a26366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:65px;">- </div><div id="a26370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:65px;">696</div><div id="a26372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Commercial and industrial </div><div id="a26375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:247px;top:81px;">82</div><div id="a26379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:81px;">- </div><div id="a26383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:431px;top:81px;">82</div><div id="a26387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:81px;">141</div><div id="a26391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:81px;">- </div><div id="a26395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">141</div><div id="a26397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:96px;">Consumer and other<div style="display:inline-block;width:3px"> </div></div><div id="a26400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:241px;top:97px;">196</div><div id="a26404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:97px;">- </div><div id="a26408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:425px;top:97px;">196</div><div id="a26412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:97px;">224</div><div id="a26416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:97px;">- </div><div id="a26420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:97px;">224</div><div id="a26422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:113px;">Total </div><div id="a26424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:177px;top:114px;">$ </div><div id="a26426" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:114px;">7,877</div><div id="a26429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:114px;">$ </div><div id="a26431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:114px;">- </div><div id="a26434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:114px;">$ </div><div id="a26436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:114px;">7,877</div><div id="a26439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:114px;">$ </div><div id="a26441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:114px;">8,876</div><div id="a26444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:114px;">$ </div><div id="a26446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:114px;">- </div><div id="a26449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:114px;">$ </div><div id="a26451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:114px;">8,876</div></div> <div id="TextBlockContainer536" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:212px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_534_XBRL_TS_63570937f4a943b58c1a2b10e0999dcc" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer535" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:212px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:357px;top:0px;">December 31, 2022 </div><div id="a22313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:563px;top:0px;">December 31, 2021 </div><div id="a22317" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:352px;top:34px;">Total </div><div id="a22320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:433px;top:20px;">Percent of </div><div id="a22321" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:448px;top:34px;">Total </div><div id="a22325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:558px;top:34px;">Total </div><div id="a22328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:638px;top:20px;">Percent of </div><div id="a22329" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:654px;top:34px;">Total </div><div id="a22332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">Residential Real Estate </div><div id="a22334" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:317px;top:50px;">$ </div><div id="a22336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:50px;">185,636</div><div id="a22339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:50px;">12.3</div><div id="a22341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:50px;">% </div><div id="a22344" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:50px;">$ </div><div id="a22346" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:50px;">201,359</div><div id="a22349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:50px;">16.9</div><div id="a22351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:50px;">% </div><div id="a22353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Commercial Real Estate </div><div id="a22356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:66px;">970,410</div><div id="a22359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:66px;">64.4</div><div id="a22361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:66px;">% </div><div id="a22365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:66px;">704,988</div><div id="a22368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:66px;">59.2</div><div id="a22370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:66px;">% </div><div id="a22372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:81px;">Commercial and Industrial </div><div id="a22375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:82px;">126,984</div><div id="a22378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:82px;">8.4</div><div id="a22380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:82px;">% </div><div id="a22384" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:82px;">146,592</div><div id="a22387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:82px;">12.3</div><div id="a22389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:82px;">% </div><div id="a22391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Foreign Banks </div><div id="a22394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:374px;top:98px;">93,769</div><div id="a22397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:98px;">6.2</div><div id="a22399" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:98px;">% </div><div id="a22403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:98px;">59,491</div><div id="a22406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:98px;">5.0</div><div id="a22408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:98px;">% </div><div id="a22410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:113px;">Consumer and Other<div style="display:inline-block;width:3px"> </div></div><div id="a22413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:114px;">130,429</div><div id="a22416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:114px;">8.7</div><div id="a22418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:114px;">% </div><div id="a22422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:114px;">79,229</div><div id="a22425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:114px;">6.6</div><div id="a22427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:114px;">% </div><div id="a22429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:130px;">Total<div style="display:inline-block;width:5px"> </div>gross loans </div><div id="a22432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:131px;">1,507,228</div><div id="a22435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:470px;top:131px;">100.0</div><div id="a22437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:131px;">% </div><div id="a22441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:131px;">1,191,659</div><div id="a22444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:131px;">100.0</div><div id="a22446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:131px;">% </div><div id="a22448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:148px;">Less: Unearned income </div><div id="a22451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:386px;top:148px;display:flex;">(110)</div><div id="a22458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:586px;top:148px;">1,578</div><div id="a22463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:163px;">Total<div style="display:inline-block;width:5px"> </div>loans net of unearned income </div><div id="a22466" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:164px;">1,507,338</div><div id="a22473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:164px;">1,190,081</div><div id="a22478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:179px;">Less: Allowance for credit losses </div><div id="a22481" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:374px;top:180px;">17,487</div><div id="a22488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:180px;">15,057</div><div id="a22493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:196px;">Total<div style="display:inline-block;width:5px"> </div>net loans </div><div id="a22496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:317px;top:197px;">$ </div><div id="a22498" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:197px;">1,489,851</div><div id="a22501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:420px;top:197px;"><div style="display:inline-block;width:3px"> </div></div><div id="a22505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:524px;top:197px;">$ </div><div id="a22507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:197px;">1,175,024</div></div></div></div> 185636000 0.123 201359000 0.169 970410000 0.644 704988000 0.592 126984000 0.084 146592000 0.123 93769000 0.062 59491000 0.050 130429000 0.087 79229000 0.066 1507228000 1.000 1191659000 1.000 -110000 1578000 1507338000 1190081000 17487000 15057000 1489851000 1175024000 338100000 185100000 0 1200000 1300000 42400000 13000 1500000 1600000 4500000 <div id="TextBlockContainer543" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:240px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a22709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:212px;top:0px;">Residential </div><div id="a22711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:211px;top:14px;">Real Estate </div><div id="a22714" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:296px;top:0px;">Commercial </div><div id="a22716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:298px;top:14px;">Real Estate </div><div id="a22719" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:386px;top:0px;">Commercial </div><div id="a22721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:381px;top:14px;">and Industrial </div><div id="a22724" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:487px;top:0px;">Foreign </div><div id="a22725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:492px;top:14px;">Banks </div><div id="a22728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:567px;top:0px;">Consumer </div><div id="a22729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:568px;top:14px;">and Other </div><div id="a22732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:669px;top:14px;">Total </div><div id="a22734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:29px;">December 31, 2022: </div><div id="a22753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:45px;">Beginning balance </div><div id="a22755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:46px;">$ </div><div id="a22757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:46px;">2,498</div><div id="a22760" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:46px;">$ </div><div id="a22762" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:46px;">8,758</div><div id="a22765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:46px;">$ </div><div id="a22767" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:46px;">2,775</div><div id="a22770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:46px;">$ </div><div id="a22772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:46px;">457</div><div id="a22775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:46px;">$ </div><div id="a22777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:46px;">569</div><div id="a22780" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:46px;">$ </div><div id="a22782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:46px;">15,057</div><div id="a22784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:61px;">Provision for credit losses </div><div id="a22787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:247px;top:62px;display:flex;">(1,179)</div><div id="a22791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:62px;">1,385</div><div id="a22795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:62px;">1,474</div><div id="a22799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:62px;">263</div><div id="a22803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:62px;">552</div><div id="a22807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:62px;">2,495</div><div id="a22809" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:77px;">Recoveries </div><div id="a22812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:267px;top:78px;">33</div><div id="a22816" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:78px;">- </div><div id="a22820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:446px;top:78px;">18</div><div id="a22824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:78px;">- </div><div id="a22828" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:627px;top:78px;">4</div><div id="a22832" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:78px;">55</div><div id="a22834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:93px;">Charge-offs </div><div id="a22839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:277px;top:94px;">- </div><div id="a22843" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:94px;">- </div><div id="a22847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:436px;top:94px;display:flex;">(104)</div><div id="a22851" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:94px;">- </div><div id="a22855" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:94px;display:flex;">(16)</div><div id="a22859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:94px;display:flex;">(120)</div><div id="a22861" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:110px;">Ending Balance<div style="display:inline-block;width:3px"> </div></div><div id="a22863" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:111px;">$ </div><div id="a22865" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:111px;">1,352</div><div id="a22868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:111px;">$ </div><div id="a22870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:331px;top:111px;">10,143</div><div id="a22873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:111px;">$ </div><div id="a22875" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:111px;">4,163</div><div id="a22878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:111px;">$ </div><div id="a22880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:111px;">720</div><div id="a22883" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:111px;">$ </div><div id="a22885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:111px;">1,109</div><div id="a22888" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:111px;">$ </div><div id="a22890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:111px;">17,487</div><div id="a22910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:143px;">December 31, 2021: </div><div id="a22929" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:159px;">Beginning balance </div><div id="a22931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:160px;">$ </div><div id="a22933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:160px;">3,408</div><div id="a22936" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:160px;">$ </div><div id="a22938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:160px;">9,453</div><div id="a22941" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:160px;">$ </div><div id="a22943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:160px;">1,689</div><div id="a22946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:160px;">$ </div><div id="a22948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:160px;">348</div><div id="a22951" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:160px;">$ </div><div id="a22953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:160px;">188</div><div id="a22956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:160px;">$ </div><div id="a22958" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:160px;">15,086</div><div id="a22960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:175px;">Provision for credit losses </div><div id="a22963" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:257px;top:176px;display:flex;">(919)</div><div id="a22967" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:176px;display:flex;">(695)</div><div id="a22971" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:176px;">955</div><div id="a22975" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:176px;">109</div><div id="a22979" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:176px;">390</div><div id="a22983" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:176px;display:flex;">(160)</div><div id="a22985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Recoveries </div><div id="a22988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:192px;">238</div><div id="a22992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:192px;">- </div><div id="a22996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:192px;">149</div><div id="a23000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:192px;">- </div><div id="a23004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:627px;top:192px;">5</div><div id="a23008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:192px;">392</div><div id="a23010" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:207px;">Charge-offs </div><div id="a23015" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:257px;top:208px;display:flex;">(229)</div><div id="a23019" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:208px;">- </div><div id="a23023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:208px;display:flex;">(18)</div><div id="a23027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:208px;">- </div><div id="a23031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:208px;display:flex;">(14)</div><div id="a23035" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:208px;display:flex;">(261)</div><div id="a23037" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:224px;">Ending Balance<div style="display:inline-block;width:3px"> </div></div><div id="a23039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:203px;top:225px;">$ </div><div id="a23041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:225px;">2,498</div><div id="a23044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:289px;top:225px;">$ </div><div id="a23046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:225px;">8,758</div><div id="a23049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:225px;">$ </div><div id="a23051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:225px;">2,775</div><div id="a23054" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:225px;">$ </div><div id="a23056" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:527px;top:225px;">457</div><div id="a23059" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:225px;">$ </div><div id="a23061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:614px;top:225px;">569</div><div id="a23064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:225px;">$ </div><div id="a23066" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:225px;">15,057</div></div><div id="TextBlockContainer550" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:366px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_548_XBRL_TS_7f49ba3af12b4d8f92ab0b362cd30eeb" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer549" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:366px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:227px;top:0px;">Residential </div><div id="a23105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:226px;top:14px;">Real Estate </div><div id="a23108" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:308px;top:0px;">Commercial </div><div id="a23110" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:310px;top:14px;">Real Estate </div><div id="a23113" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:397px;top:0px;">Commercial </div><div id="a23114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:392px;top:14px;">and Industrial </div><div id="a23117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:497px;top:0px;">Foreign </div><div id="a23118" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:501px;top:14px;">Banks </div><div id="a23121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:572px;top:0px;">Consumer </div><div id="a23122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:14px;">and Other </div><div id="a23125" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:14px;">Total </div><div id="a23127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:29px;">December 31, 2022: </div><div id="a23146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:45px;">Allowance for credit losses: </div><div id="a23165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:61px;">Individually evaluated for impairment </div><div id="a23167" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:62px;">$ </div><div id="a23169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:275px;top:62px;">155</div><div id="a23172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:62px;">$ </div><div id="a23174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:62px;">- </div><div id="a23177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:62px;">$ </div><div id="a23179" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:62px;">41</div><div id="a23182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:62px;">$ </div><div id="a23184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:62px;">- </div><div id="a23187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:62px;">$ </div><div id="a23189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:62px;">98</div><div id="a23192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:62px;">$ </div><div id="a23194" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:62px;">294</div><div id="a23196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Collectively evaluated for impairment </div><div id="a23199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:78px;">1,197</div><div id="a23203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:343px;top:78px;">10,143</div><div id="a23207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:78px;">4,122</div><div id="a23211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:78px;">720</div><div id="a23215" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:608px;top:78px;">1,011</div><div id="a23219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:78px;">17,193</div><div id="a23221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:93px;">Balances, end of period </div><div id="a23223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:94px;">$ </div><div id="a23225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:94px;">1,352</div><div id="a23228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:94px;">$ </div><div id="a23230" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:343px;top:94px;">10,143</div><div id="a23233" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:94px;">$ </div><div id="a23235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:94px;">4,163</div><div id="a23238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:94px;">$ </div><div id="a23240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:94px;">720</div><div id="a23243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:94px;">$ </div><div id="a23245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:608px;top:94px;">1,109</div><div id="a23248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:94px;">$ </div><div id="a23250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:94px;">17,487</div><div id="a23270" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Loans: </div><div id="a23289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:141px;">Individually evaluated for impairment </div><div id="a23291" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:142px;">$ </div><div id="a23293" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:142px;">7,206</div><div id="a23296" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:142px;">$ </div><div id="a23298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:360px;top:142px;">393</div><div id="a23301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:142px;">$ </div><div id="a23303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:142px;">82</div><div id="a23306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:142px;">$ </div><div id="a23308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:142px;">- </div><div id="a23311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:142px;">$ </div><div id="a23313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:142px;">196</div><div id="a23316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:142px;">$ </div><div id="a23318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:142px;">7,877</div><div id="a23320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:157px;">Collectively evaluated for impairment </div><div id="a23323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:158px;">178,430</div><div id="a23327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:158px;">970,017</div><div id="a23331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:158px;">126,902</div><div id="a23335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:158px;">93,769</div><div id="a23339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:158px;">130,233</div><div id="a23343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:158px;">1,499,351</div><div id="a23345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:173px;">Balances, end of period </div><div id="a23347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:174px;">$ </div><div id="a23349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:174px;">185,636</div><div id="a23352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:174px;">$ </div><div id="a23354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:174px;">970,410</div><div id="a23357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:174px;">$ </div><div id="a23359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:174px;">126,984</div><div id="a23362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:174px;">$ </div><div id="a23364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:174px;">93,769</div><div id="a23367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:174px;">$ </div><div id="a23369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:594px;top:174px;">130,429</div><div id="a23372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:174px;">$ </div><div id="a23374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:174px;">1,507,228</div><div id="a23394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:205px;">December 31, 2021: </div><div id="a23413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:221px;">Allowance for credit losses: </div><div id="a23432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:237px;">Individually evaluated for impairment </div><div id="a23434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:238px;">$ </div><div id="a23436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:275px;top:238px;">178</div><div id="a23439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:238px;">$ </div><div id="a23441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:376px;top:238px;">- </div><div id="a23444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:238px;">$ </div><div id="a23446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:238px;">71</div><div id="a23449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:238px;">$ </div><div id="a23451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:238px;">- </div><div id="a23454" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:238px;">$ </div><div id="a23456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:238px;">111</div><div id="a23459" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:238px;">$ </div><div id="a23461" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:238px;">360</div><div id="a23463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:253px;">Collectively evaluated for impairment </div><div id="a23466" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:254px;">2,320</div><div id="a23470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:254px;">8,758</div><div id="a23474" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:254px;">2,704</div><div id="a23478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:254px;">457</div><div id="a23482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:254px;">458</div><div id="a23486" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:254px;">14,697</div><div id="a23488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:269px;">Balances, end of period </div><div id="a23490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:270px;">$ </div><div id="a23492" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:270px;">2,498</div><div id="a23495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:270px;">$ </div><div id="a23497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:270px;">8,758</div><div id="a23500" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:270px;">$ </div><div id="a23502" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:270px;">2,775</div><div id="a23505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:270px;">$ </div><div id="a23507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:535px;top:270px;">457</div><div id="a23510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:270px;">$ </div><div id="a23512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:270px;">569</div><div id="a23515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:270px;">$ </div><div id="a23517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:270px;">15,057</div><div id="a23537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:301px;">Loans: </div><div id="a23556" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:317px;">Individually evaluated for impairment </div><div id="a23558" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:318px;">$ </div><div id="a23560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:265px;top:318px;">9,006</div><div id="a23563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:318px;">$ </div><div id="a23565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:360px;top:318px;">696</div><div id="a23568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:318px;">$ </div><div id="a23570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:452px;top:318px;">141</div><div id="a23573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:318px;">$ </div><div id="a23575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:318px;">- </div><div id="a23578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:318px;">$ </div><div id="a23580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:318px;">224</div><div id="a23583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:318px;">$ </div><div id="a23585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:318px;">10,067</div><div id="a23587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:333px;">Collectively evaluated for impairment </div><div id="a23590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:334px;">192,353</div><div id="a23594" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:334px;">704,292</div><div id="a23598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:334px;">146,451</div><div id="a23602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:334px;">59,491</div><div id="a23606" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:601px;top:334px;">79,005</div><div id="a23610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:334px;">1,181,592</div><div id="a23612" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:349px;">Balances, end of period </div><div id="a23614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:219px;top:350px;">$ </div><div id="a23616" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:350px;">201,359</div><div id="a23619" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:350px;">$ </div><div id="a23621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:336px;top:350px;">704,988</div><div id="a23624" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:387px;top:350px;">$ </div><div id="a23626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:428px;top:350px;">146,592</div><div id="a23629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:479px;top:350px;">$ </div><div id="a23631" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:350px;">59,491</div><div id="a23634" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:561px;top:350px;">$ </div><div id="a23636" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:601px;top:350px;">79,229</div><div id="a23639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:350px;">$ </div><div id="a23641" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:350px;">1,191,659</div></div></div></div> 2498000 8758000 2775000 457000 569000 15057000 1179000 -1385000 -1474000 -263000 -552000 -2495000 33000 18000 4000 55000 104000 16000 120000 1352000 10143000 4163000 720000 1109000 17487000 3408000 9453000 1689000 348000 188000 15086000 919000 695000 -955000 -109000 -390000 160000 238000 149000 5000 392000 229000 18000 14000 261000 2498000 8758000 2775000 457000 569000 15057000 155000 41000 98000 294000 1197000 10143000 4122000 720000 1011000 17193000 1352000 10143000 4163000 720000 1109000 17487000 7206000 393000 82000 196000 7877000 178430000 970017000 126902000 93769000 130233000 1499351000 185636000 970410000 126984000 93769000 130429000 1507228000 178000 71000 111000 360000 2320000 8758000 2704000 457000 458000 14697000 2498000 8758000 2775000 457000 569000 15057000 9006000 696000 141000 224000 10067000 192353000 704292000 146451000 59491000 79005000 1181592000 201359000 704988000 146592000 59491000 79229000 1191659000 <div id="TextBlockContainer556" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:410px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_554_XBRL_TS_4473eb9720d54cad8c5b88249e63032b" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer555" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:410px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a23738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:0px;">As of December 31, 2022 </div><div id="a23741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:341px;top:29px;">Pass </div><div id="a23744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:415px;top:15px;">Special </div><div id="a23745" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:29px;">Mention </div><div id="a23748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:29px;">Substandard </div><div id="a23751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:575px;top:29px;">Doubtful </div><div id="a23754" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:647px;top:29px;">Total Loans </div><div id="a23756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:44px;">Residential real estate: </div><div id="a23772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:60px;">Home equity line of credit ("HELOC") and other </div><div id="a23774" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:61px;">$ </div><div id="a23776" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:61px;">623</div><div id="a23779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:61px;">$ </div><div id="a23781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:61px;">- </div><div id="a23784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:61px;">$ </div><div id="a23786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:61px;">- </div><div id="a23789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:61px;">$ </div><div id="a23791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:61px;">- </div><div id="a23794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:61px;">$ </div><div id="a23796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:61px;">623</div><div id="a23798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:76px;">1-4 family residential </div><div id="a23803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:77px;">132,178</div><div id="a23807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:77px;">- </div><div id="a23811" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:77px;">- </div><div id="a23815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:77px;">- </div><div id="a23819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:77px;">132,178</div><div id="a23821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:92px;">Condo residential </div><div id="a23824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:93px;">52,835</div><div id="a23828" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:93px;">- </div><div id="a23832" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:93px;">- </div><div id="a23836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:93px;">- </div><div id="a23840" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:93px;">52,835</div><div id="a23844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:109px;">185,636</div><div id="a23848" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:109px;">- </div><div id="a23852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:109px;">- </div><div id="a23856" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:109px;">- </div><div id="a23860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:109px;">185,636</div><div id="a23862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:124px;">Commercial real estate: </div><div id="a23878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:140px;">Land and construction </div><div id="a23881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:141px;">38,687</div><div id="a23885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:141px;">- </div><div id="a23889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:141px;">- </div><div id="a23893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:141px;">- </div><div id="a23897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:141px;">38,687</div><div id="a23899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:156px;">Multi family residential </div><div id="a23902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:157px;">176,820</div><div id="a23906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:157px;">- </div><div id="a23910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:157px;">- </div><div id="a23914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:157px;">- </div><div id="a23918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:157px;">176,820</div><div id="a23920" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:172px;">Condo commercial </div><div id="a23923" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:173px;">49,601</div><div id="a23927" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:173px;">- </div><div id="a23931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:173px;">393</div><div id="a23935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:173px;">- </div><div id="a23939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:173px;">49,994</div><div id="a23941" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:188px;">Commercial property </div><div id="a23944" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:189px;">702,357</div><div id="a23948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:189px;">- </div><div id="a23952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:189px;">2,552 </div><div id="a23956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:189px;">- </div><div id="a23960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:189px;">704,909</div><div id="a23962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:204px;">Leasehold improvements </div><div id="a23965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:205px;-sec-ix-hidden:ID_1063;">-</div><div id="a23969" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:205px;">- </div><div id="a23973" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:205px;">- </div><div id="a23977" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:205px;">- </div><div id="a23981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:205px;-sec-ix-hidden:ID_1057;">-</div><div id="a23985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:221px;">967,465</div><div id="a23989" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:221px;">- </div><div id="a23993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:221px;">2,945</div><div id="a23997" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:221px;">- </div><div id="a24001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:221px;">970,410</div><div id="a24003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:236px;">Commercial and industrial:</div><div id="a24004" style="position:absolute;font-family:'Arial';font-size:6.72px;font-weight:normal;font-style:normal;color:#000000;left:147px;top:237px;">(1)</div><div id="a24020" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:252px;">Secured </div><div id="a24024" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:253px;">120,873</div><div id="a24028" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:253px;">- </div><div id="a24032" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:253px;">807</div><div id="a24036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:253px;">- </div><div id="a24040" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:253px;">121,680</div><div id="a24042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:268px;">Unsecured </div><div id="a24045" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:269px;">5,304</div><div id="a24049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:269px;">- </div><div id="a24053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:269px;">- </div><div id="a24057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:269px;">- </div><div id="a24061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:269px;">5,304</div><div id="a24065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:285px;">126,177</div><div id="a24069" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:285px;">- </div><div id="a24073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:285px;">807</div><div id="a24077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:285px;">- </div><div id="a24081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:285px;">126,984</div><div id="a24098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:316px;">Foreign banks </div><div id="a24101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:317px;">93,769</div><div id="a24105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:317px;">- </div><div id="a24109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:317px;">- </div><div id="a24113" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:317px;">- </div><div id="a24117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:317px;">93,769</div><div id="a24119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:332px;">Consumer and other loans </div><div id="a24122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:333px;">130,233</div><div id="a24126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:333px;">- </div><div id="a24130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:333px;">196</div><div id="a24134" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:333px;">- </div><div id="a24138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:333px;">130,429</div><div id="a24155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:365px;">Total </div><div id="a24157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:366px;">$ </div><div id="a24159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:341px;top:366px;">1,503,280</div><div id="a24162" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:366px;">$ </div><div id="a24164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:366px;">- </div><div id="a24167" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:366px;">$ </div><div id="a24169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:366px;">3,948</div><div id="a24172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:366px;">$ </div><div id="a24174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:366px;">- </div><div id="a24177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:366px;">$ </div><div id="a24179" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:366px;">1,507,228</div><div id="a24196" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:397px;">(1)<div style="display:inline-block;width:6px"> </div>All outstanding PPP loans were internally graded<div style="display:inline-block;width:2px"> </div>pass.</div></div></div></div><div id="TextBlockContainer560" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:724px;height:417px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_558_XBRL_TS_bbffee8ce4b740c3a39f1f8702bf9260" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer559" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:724px;height:417px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a24221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:0px;">As of December 31, 2021 </div><div id="a24224" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:341px;top:35px;">Pass </div><div id="a24227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:415px;top:21px;">Special </div><div id="a24228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:35px;">Mention </div><div id="a24231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:481px;top:35px;">Substandard </div><div id="a24234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:575px;top:35px;">Doubtful </div><div id="a24237" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:647px;top:35px;">Total Loans </div><div id="a24239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:50px;">Residential real estate: </div><div id="a24255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:66px;">Home equity line of credit ("HELOC") and other </div><div id="a24257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:67px;">$ </div><div id="a24259" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:67px;">701</div><div id="a24262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:67px;">$ </div><div id="a24264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:67px;">- </div><div id="a24267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:67px;">$ </div><div id="a24269" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:67px;">- </div><div id="a24272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:67px;">$ </div><div id="a24274" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:67px;">- </div><div id="a24277" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:67px;">$ </div><div id="a24279" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:67px;">701</div><div id="a24281" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:82px;">1-4 family residential </div><div id="a24286" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:83px;">130,840</div><div id="a24290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:83px;">- </div><div id="a24294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:83px;">4,581</div><div id="a24298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:83px;">- </div><div id="a24302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:83px;">135,421</div><div id="a24304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:98px;">Condo residential </div><div id="a24307" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:99px;">65,237</div><div id="a24311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:99px;">- </div><div id="a24315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:99px;">- </div><div id="a24319" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:99px;">- </div><div id="a24323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:99px;">65,237</div><div id="a24327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:115px;">196,778</div><div id="a24331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:115px;">- </div><div id="a24335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:115px;">4,581</div><div id="a24339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:115px;">- </div><div id="a24343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:115px;">201,359</div><div id="a24345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:130px;">Commercial real estate: </div><div id="a24361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:146px;">Land and construction </div><div id="a24364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:147px;">24,581</div><div id="a24368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:147px;">- </div><div id="a24372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:147px;">- </div><div id="a24376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:147px;">- </div><div id="a24380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:147px;">24,581</div><div id="a24382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:162px;">Multi family residential </div><div id="a24385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:163px;">127,489</div><div id="a24389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:163px;">- </div><div id="a24393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:163px;">- </div><div id="a24397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:163px;">- </div><div id="a24401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">127,489</div><div id="a24403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:178px;">Condo commercial </div><div id="a24406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:179px;">41,983</div><div id="a24410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:179px;">- </div><div id="a24414" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:179px;">417</div><div id="a24418" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:179px;">- </div><div id="a24422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:179px;">42,400</div><div id="a24424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:194px;">Commercial property </div><div id="a24427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:195px;">509,189</div><div id="a24431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:195px;">1,222</div><div id="a24435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:195px;">- </div><div id="a24439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:195px;">- </div><div id="a24443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:195px;">510,411</div><div id="a24445" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:210px;">Leasehold improvements </div><div id="a24448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:375px;top:211px;">107</div><div id="a24452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:211px;">- </div><div id="a24456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:211px;">- </div><div id="a24460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:211px;">- </div><div id="a24464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:211px;">107</div><div id="a24468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:227px;">703,349</div><div id="a24472" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:227px;">1,222</div><div id="a24476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:227px;">417</div><div id="a24480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:227px;">- </div><div id="a24484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:227px;">704,988</div><div id="a24486" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:242px;">Commercial and industrial:</div><div id="a24487" style="position:absolute;font-family:'Arial';font-size:6.72px;font-weight:normal;font-style:normal;color:#000000;left:147px;top:243px;">(1)</div><div id="a24503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:258px;">Secured </div><div id="a24507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:259px;">97,605</div><div id="a24511" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:259px;">- </div><div id="a24515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:259px;">536</div><div id="a24519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:259px;">- </div><div id="a24523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:259px;">98,141</div><div id="a24525" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:274px;">Unsecured </div><div id="a24528" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:275px;">48,434</div><div id="a24532" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:275px;">- </div><div id="a24536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:544px;top:275px;">17</div><div id="a24540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:275px;">- </div><div id="a24544" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:275px;">48,451</div><div id="a24548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:291px;">146,039</div><div id="a24552" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:291px;">- </div><div id="a24556" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:291px;">553</div><div id="a24560" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:291px;">- </div><div id="a24564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:291px;">146,592</div><div id="a24581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:322px;">Foreign banks </div><div id="a24584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:323px;">59,491</div><div id="a24588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:323px;">- </div><div id="a24592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:554px;top:323px;">- </div><div id="a24596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:323px;">- </div><div id="a24600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:323px;">59,491</div><div id="a24602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:338px;">Consumer and other loans </div><div id="a24605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:358px;top:339px;">79,005</div><div id="a24609" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:339px;">- </div><div id="a24613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:538px;top:339px;">224</div><div id="a24617" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:339px;">- </div><div id="a24621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:339px;">79,229</div><div id="a24638" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:371px;">Total </div><div id="a24640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:312px;top:372px;">$ </div><div id="a24642" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:341px;top:372px;">1,184,662</div><div id="a24645" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:372px;">$ </div><div id="a24647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:372px;">1,222</div><div id="a24650" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:372px;">$ </div><div id="a24652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:372px;">5,775</div><div id="a24655" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:372px;">$ </div><div id="a24657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:628px;top:372px;">- </div><div id="a24660" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:372px;">$ </div><div id="a24662" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:372px;">1,191,659</div><div id="a24679" style="position:absolute;font-family:'Arial';font-size:10.72px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:403px;">(1)<div style="display:inline-block;width:6px"> </div>All outstanding PPP loans were internally graded<div style="display:inline-block;width:2px"> </div>pass.</div></div></div></div> 623000 623000 132178000 132178000 52835000 52835000 185636000 185636000 38687000 38687000 176820000 176820000 49601000 393000 49994000 702357000 704909000 967465000 2945000 970410000 120873000 807000 121680000 5304000 5304000 126177000 807000 126984000 93769000 93769000 130233000 196000 130429000 1503280000 3948000 1507228000 701000 701000 130840000 4581000 135421000 65237000 65237000 196778000 4581000 201359000 24581000 24581000 127489000 127489000 41983000 417000 42400000 509189000 1222000 510411000 107000 107000 703349000 1222000 417000 704988000 97605000 536000 98141000 48434000 17000 48451000 146039000 553000 146592000 59491000 59491000 79005000 224000 79229000 1184662000 1222000 5775000 1191659000 <div id="TextBlockContainer565" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a24723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:367px;top:0px;">Accruing </div><div id="a24731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:56px;">As of December 31, 2022: </div><div id="a24733" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:56px;">Current </div><div id="a24736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:316px;top:42px;">Past Due 30-</div><div id="a24738" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:329px;top:56px;">89 Days </div><div id="a24741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:403px;top:14px;">Past Due &gt; </div><div id="a24742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:399px;top:28px;">90 Days and </div><div id="a24743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:423px;top:42px;">Still </div><div id="a24744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:408px;top:56px;">Accruing </div><div id="a24747" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:503px;top:42px;">Total </div><div id="a24748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:491px;top:56px;">Accruing </div><div id="a24751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:565px;top:56px;">Non-Accrual </div><div id="a24756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:56px;">Total Loans </div><div id="a24758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:71px;">Residential real estate: </div><div id="a24777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:87px;">Home equity line of credit and other </div><div id="a24779" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:88px;">$ </div><div id="a24781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:285px;top:88px;">623</div><div id="a24784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:88px;">$ </div><div id="a24786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:88px;">- </div><div id="a24789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:88px;">$ </div><div id="a24791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:88px;">- </div><div id="a24794" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:88px;">$ </div><div id="a24796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:88px;">623</div><div id="a24799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:88px;">$ </div><div id="a24801" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:88px;">- </div><div id="a24804" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:88px;">$ </div><div id="a24806" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:88px;">623</div><div id="a24808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:103px;">1-4 family residential </div><div id="a24813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:104px;">131,120</div><div id="a24817" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:104px;">1,058</div><div id="a24821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:104px;">- </div><div id="a24825" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:104px;">132,178</div><div id="a24829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:104px;">- </div><div id="a24833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:104px;">132,178</div><div id="a24835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:119px;">Condo residential </div><div id="a24838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:120px;">50,310</div><div id="a24842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:120px;">2,525</div><div id="a24846" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:120px;">- </div><div id="a24850" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:120px;">52,835</div><div id="a24854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:120px;">- </div><div id="a24858" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:120px;">52,835</div><div id="a24862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:136px;">182,053</div><div id="a24866" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:136px;">3,583</div><div id="a24870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:136px;">- </div><div id="a24874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:136px;">185,636</div><div id="a24878" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:136px;">- </div><div id="a24882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:136px;">185,636</div><div id="a24884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Commercial real estate: </div><div id="a24903" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:167px;">Land and construction </div><div id="a24906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:168px;">38,687</div><div id="a24910" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:168px;">- </div><div id="a24914" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:168px;">- </div><div id="a24918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:168px;">38,687</div><div id="a24922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:168px;">- </div><div id="a24926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:168px;">38,687</div><div id="a24928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:183px;">Multi family residential </div><div id="a24931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:184px;">176,820</div><div id="a24935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:184px;">- </div><div id="a24939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:184px;">- </div><div id="a24943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:184px;">176,820</div><div id="a24947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:184px;">- </div><div id="a24951" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:184px;">176,820</div><div id="a24953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:199px;">Condo commercial </div><div id="a24956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:200px;">49,994</div><div id="a24960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:200px;">- </div><div id="a24964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:200px;">- </div><div id="a24968" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:200px;">49,994</div><div id="a24972" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:200px;">- </div><div id="a24976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:200px;">49,994</div><div id="a24978" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:215px;">Commercial property </div><div id="a24981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:216px;">704,884</div><div id="a24985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:216px;">25</div><div id="a24989" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:216px;">- </div><div id="a24993" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:216px;">704,909</div><div id="a24997" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:216px;">- </div><div id="a25001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:216px;">704,909</div><div id="a25003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:231px;">Leasehold improvements </div><div id="a25006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:232px;">- </div><div id="a25010" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:232px;">- </div><div id="a25014" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:232px;">- </div><div id="a25018" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:549px;top:232px;-sec-ix-hidden:ID_1144;">-</div><div id="a25022" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:232px;">- </div><div id="a25026" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:232px;">- </div><div id="a25030" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:248px;">970,385</div><div id="a25034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:248px;">25</div><div id="a25038" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:248px;">- </div><div id="a25042" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:248px;">970,410</div><div id="a25046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:248px;">- </div><div id="a25050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:248px;">970,410</div><div id="a25052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:263px;">Commercial and industrial: </div><div id="a25071" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:279px;">Secured </div><div id="a25074" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:280px;">121,649</div><div id="a25078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:373px;top:280px;">31</div><div id="a25082" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:280px;">- </div><div id="a25086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:280px;">121,680</div><div id="a25090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:280px;">- </div><div id="a25094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:280px;">121,680</div><div id="a25096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:295px;">Unsecured </div><div id="a25099" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:274px;top:296px;">4,332</div><div id="a25103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:366px;top:296px;">972</div><div id="a25107" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:296px;">- </div><div id="a25111" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:296px;">5,304</div><div id="a25115" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:296px;">- </div><div id="a25119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:296px;">5,304</div><div id="a25123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:312px;">125,981</div><div id="a25127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:312px;">1,003</div><div id="a25131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:312px;">- </div><div id="a25135" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:312px;">126,984</div><div id="a25139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:312px;">- </div><div id="a25143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:312px;">126,984</div><div id="a25163" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:343px;">Foreign banks </div><div id="a25166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:268px;top:344px;">93,769</div><div id="a25170" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:382px;top:344px;">- </div><div id="a25174" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:344px;">- </div><div id="a25178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:344px;">93,769</div><div id="a25182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:344px;">- </div><div id="a25186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:344px;">93,769</div><div id="a25188" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:359px;">Consumer and other </div><div id="a25191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:360px;">130,169</div><div id="a25195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:366px;top:360px;">260</div><div id="a25199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:360px;">- </div><div id="a25203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:510px;top:360px;">130,429</div><div id="a25207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:360px;">- </div><div id="a25211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:360px;">130,429</div><div id="a25231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:392px;">Total </div><div id="a25233" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:393px;">$ </div><div id="a25235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:251px;top:393px;">1,502,357</div><div id="a25238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:393px;">$ </div><div id="a25240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:356px;top:393px;">4,871</div><div id="a25243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:396px;top:393px;">$ </div><div id="a25245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:465px;top:393px;">- </div><div id="a25248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:393px;">$ </div><div id="a25250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:393px;">1,507,228</div><div id="a25253" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:393px;">$ </div><div id="a25255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:632px;top:393px;">- </div><div id="a25258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:393px;">$ </div><div id="a25260" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:393px;">1,507,228</div></div><div id="TextBlockContainer570" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_568_XBRL_TS_0201621358664f6f808343252a66af1b" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer569" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:408px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a25284" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:364px;top:0px;">Accruing </div><div id="a25292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:56px;">As of December 31, 2021: </div><div id="a25294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:244px;top:56px;">Current </div><div id="a25297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:324px;top:42px;">Past Due </div><div id="a25298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:318px;top:56px;">30-89 Days </div><div id="a25303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:400px;top:14px;">Past Due &gt; </div><div id="a25304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:396px;top:28px;">90 Days and </div><div id="a25305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:420px;top:42px;">Still </div><div id="a25306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:405px;top:56px;">Accruing </div><div id="a25309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:500px;top:42px;">Total </div><div id="a25310" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:489px;top:56px;">Accruing </div><div id="a25313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:563px;top:56px;">Non-Accrual </div><div id="a25318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:648px;top:56px;">Total Loans </div><div id="a25320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:71px;">Residential real estate: </div><div id="a25339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:87px;">Home equity line of credit and other </div><div id="a25341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:88px;">$ </div><div id="a25343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:279px;top:88px;">701</div><div id="a25346" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:88px;">$ </div><div id="a25348" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:88px;">- </div><div id="a25351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:395px;top:88px;">$ </div><div id="a25353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:88px;">- </div><div id="a25356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:88px;">$ </div><div id="a25358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:88px;">701</div><div id="a25361" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:562px;top:88px;">$ </div><div id="a25363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:88px;">- </div><div id="a25366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:88px;">$ </div><div id="a25368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:695px;top:88px;">701</div><div id="a25370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:103px;">1-4 family residential </div><div id="a25375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:104px;">133,942</div><div id="a25379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:104px;">289</div><div id="a25383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:104px;">- </div><div id="a25387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:104px;">134,231</div><div id="a25391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:104px;">1,190</div><div id="a25395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:104px;">135,421</div><div id="a25397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:119px;">Condo residential </div><div id="a25400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:120px;">64,243</div><div id="a25404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:120px;">994</div><div id="a25408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:120px;">- </div><div id="a25412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:120px;">65,237</div><div id="a25416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:120px;">- </div><div id="a25420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:120px;">65,237</div><div id="a25424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:136px;">198,886</div><div id="a25428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:136px;">1,283</div><div id="a25432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:136px;">- </div><div id="a25436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:136px;">200,169</div><div id="a25440" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:136px;">1,190</div><div id="a25444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:136px;">201,359</div><div id="a25446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:151px;">Commercial real estate: </div><div id="a25465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:167px;">Land and construction </div><div id="a25468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:168px;">24,581</div><div id="a25472" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:168px;">- </div><div id="a25476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:168px;">- </div><div id="a25480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:168px;">24,581</div><div id="a25484" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:168px;">- </div><div id="a25488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:168px;">24,581</div><div id="a25490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:183px;">Multi family residential </div><div id="a25493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:184px;">127,053</div><div id="a25497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:184px;">436</div><div id="a25501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:184px;">- </div><div id="a25505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:184px;">127,489</div><div id="a25509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:184px;">- </div><div id="a25513" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:184px;">127,489</div><div id="a25515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:199px;">Condo commercial </div><div id="a25518" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:200px;">42,400</div><div id="a25522" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:200px;">- </div><div id="a25526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:200px;">- </div><div id="a25530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:200px;">42,400</div><div id="a25534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:200px;">- </div><div id="a25538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:200px;">42,400</div><div id="a25540" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:215px;">Commercial property </div><div id="a25543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:216px;">510,411</div><div id="a25547" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:216px;">- </div><div id="a25551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:216px;">- </div><div id="a25555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:216px;">510,411</div><div id="a25559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:216px;">- </div><div id="a25563" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:216px;">510,411</div><div id="a25565" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:231px;">Leasehold improvements </div><div id="a25568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:279px;top:232px;">107</div><div id="a25572" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:232px;">- </div><div id="a25576" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:232px;">- </div><div id="a25580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:232px;">107</div><div id="a25584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:232px;">- </div><div id="a25588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:695px;top:232px;">107</div><div id="a25592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:248px;">704,552</div><div id="a25596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:248px;">436</div><div id="a25600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:248px;">- </div><div id="a25604" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:248px;">704,988</div><div id="a25608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:248px;">- </div><div id="a25612" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:248px;">704,988</div><div id="a25614" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:263px;">Commercial and industrial: </div><div id="a25633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:279px;">Secured </div><div id="a25636" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:280px;">98,141</div><div id="a25640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:280px;">- </div><div id="a25644" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:280px;">- </div><div id="a25648" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:280px;">98,141</div><div id="a25652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:280px;">- </div><div id="a25656" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:280px;">98,141</div><div id="a25658" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:295px;">Unsecured </div><div id="a25661" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:296px;">48,041</div><div id="a25665" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:296px;">410</div><div id="a25669" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:296px;">- </div><div id="a25673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:296px;">48,451</div><div id="a25677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:296px;">- </div><div id="a25681" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:296px;">48,451</div><div id="a25685" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:256px;top:312px;">146,182</div><div id="a25689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:312px;">410</div><div id="a25693" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:312px;">- </div><div id="a25697" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:312px;">146,592</div><div id="a25701" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:312px;">- </div><div id="a25705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:672px;top:312px;">146,592</div><div id="a25725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:343px;">Foreign banks </div><div id="a25728" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:344px;">59,491</div><div id="a25732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:377px;top:344px;">- </div><div id="a25736" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:344px;">- </div><div id="a25740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:344px;">59,491</div><div id="a25744" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:344px;">- </div><div id="a25748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:344px;">59,491</div><div id="a25750" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:359px;">Consumer and other </div><div id="a25753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:360px;">78,969</div><div id="a25757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:360px;">260</div><div id="a25761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:360px;">- </div><div id="a25765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:512px;top:360px;">79,229</div><div id="a25769" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:360px;">- </div><div id="a25773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:679px;top:360px;">79,229</div><div id="a25793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:392px;">Total </div><div id="a25795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:229px;top:393px;">$ </div><div id="a25797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:246px;top:393px;">1,188,080</div><div id="a25800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:313px;top:393px;">$ </div><div id="a25802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:393px;">2,389</div><div id="a25805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:395px;top:393px;">$ </div><div id="a25807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:459px;top:393px;">- </div><div id="a25810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:393px;">$ </div><div id="a25812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:495px;top:393px;">1,190,469</div><div id="a25815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:562px;top:393px;">$ </div><div id="a25817" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:393px;">1,190</div><div id="a25820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:393px;">$ </div><div id="a25822" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:662px;top:393px;">1,191,659</div></div></div></div> 623000 623000 623000 131120000 1058000 132178000 132178000 50310000 2525000 52835000 52835000 182053000 3583000 185636000 185636000 38687000 38687000 38687000 176820000 176820000 176820000 49994000 49994000 49994000 704884000 25000 704909000 704909000 970385000 25000 970410000 970410000 121649000 31000 121680000 121680000 4332000 972000 5304000 5304000 125981000 1003000 126984000 126984000 93769000 93769000 93769000 130169000 260000 130429000 130429000 1502357000 4871000 1507228000 1507228000 701000 701000 701000 133942000 289000 134231000 1190000 135421000 64243000 994000 65237000 65237000 198886000 1283000 200169000 1190000 201359000 24581000 24581000 24581000 127053000 436000 127489000 127489000 42400000 42400000 42400000 510411000 510411000 510411000 107000 107000 107000 704552000 436000 704988000 704988000 98141000 98141000 98141000 48041000 410000 48451000 48451000 146182000 410000 146592000 146592000 59491000 59491000 59491000 78969000 260000 79229000 79229000 1188080000 2389000 1190469000 1190000 1191659000 0 0 5000 <div id="TextBlockContainer576" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:230px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_574_XBRL_TS_afee5a1031ca42b5a26ab48836480825" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer575" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:230px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a25873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:335px;top:0px;">December 31, 2022 </div><div id="a25876" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:560px;top:0px;">December 31, 2021 </div><div id="a25879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:294px;top:25px;">Unpaid </div><div id="a25880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:289px;top:39px;">Principal </div><div id="a25881" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:292px;top:53px;">Balance </div><div id="a25884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:380px;top:25px;">Net </div><div id="a25885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:358px;top:39px;">Investment </div><div id="a25886" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:367px;top:53px;">Balance </div><div id="a25889" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:437px;top:39px;">Valuation </div><div id="a25890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:435px;top:53px;">Allowance </div><div id="a25893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:519px;top:25px;">Unpaid </div><div id="a25894" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:514px;top:39px;">Principal </div><div id="a25895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:517px;top:53px;">Balance </div><div id="a25898" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:605px;top:25px;">Net </div><div id="a25899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:583px;top:39px;">Investment </div><div id="a25900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:592px;top:53px;">Balance </div><div id="a25903" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:663px;top:39px;">Valuation </div><div id="a25904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:660px;top:53px;">Allowance </div><div id="a25906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:68px;">Impaired Loans with No Specific Allowance: </div><div id="a25926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:84px;">Residential real estate </div><div id="a25928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:280px;top:85px;">$ </div><div id="a25930" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:85px;">3,551</div><div id="a25933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:85px;">$ </div><div id="a25935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:85px;">3,544</div><div id="a25938" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:85px;">$ </div><div id="a25940" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:85px;">- </div><div id="a25943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:85px;">$ </div><div id="a25945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:85px;">5,021</div><div id="a25948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:85px;">$ </div><div id="a25950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:85px;">5,035</div><div id="a25953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:655px;top:85px;">$ </div><div id="a25955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:85px;">- </div><div id="a25957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:100px;">Commercial real estate </div><div id="a25960" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:326px;top:101px;">393</div><div id="a25964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:101px;">393</div><div id="a25968" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:101px;">- </div><div id="a25972" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:101px;">696</div><div id="a25976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:101px;">695</div><div id="a25980" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:101px;">- </div><div id="a25984" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:117px;">3,944</div><div id="a25988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:117px;">3,937</div><div id="a25992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:492px;top:117px;">- </div><div id="a25996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:117px;">5,717</div><div id="a26000" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:117px;">5,730</div><div id="a26004" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:117px;">- </div><div id="a26006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:132px;">Impaired Loans with Specific Allowance: </div><div id="a26025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:148px;">Residential real estate </div><div id="a26028" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:149px;">3,655</div><div id="a26032" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:149px;">3,626</div><div id="a26036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:149px;">155</div><div id="a26040" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:149px;">3,985</div><div id="a26044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:149px;">3,950</div><div id="a26048" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:149px;">178</div><div id="a26050" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:164px;">Commercial and industrial </div><div id="a26053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:332px;top:165px;">82</div><div id="a26057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:407px;top:165px;">82</div><div id="a26061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:482px;top:165px;">41</div><div id="a26065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:165px;">141</div><div id="a26069" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:165px;">141</div><div id="a26073" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:165px;">71</div><div id="a26075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:180px;">Consumer and other </div><div id="a26078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:326px;top:181px;">196</div><div id="a26082" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:181px;">196</div><div id="a26086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:482px;top:181px;">98</div><div id="a26090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:181px;">224</div><div id="a26094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:626px;top:181px;">224</div><div id="a26098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:181px;">111</div><div id="a26102" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:197px;">3,933</div><div id="a26106" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:197px;">3,904</div><div id="a26110" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:197px;">294</div><div id="a26114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:197px;">4,350</div><div id="a26118" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:616px;top:197px;">4,315</div><div id="a26122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:197px;">360</div><div id="a26124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:213px;">Total </div><div id="a26126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:280px;top:214px;">$ </div><div id="a26128" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:214px;">7,877</div><div id="a26131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:214px;">$ </div><div id="a26133" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:214px;">7,841</div><div id="a26136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:214px;">$ </div><div id="a26138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:476px;top:214px;">294</div><div id="a26141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:214px;">$ </div><div id="a26143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:534px;top:214px;">10,067</div><div id="a26146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:214px;">$ </div><div id="a26148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:214px;">10,045</div><div id="a26151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:655px;top:214px;">$ </div><div id="a26153" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:214px;">360</div></div></div></div><div id="TextBlockContainer583" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:96px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a26198" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a26200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Residential real estate </div><div id="a26202" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:16px;">$ </div><div id="a26204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:16px;">7,626</div><div id="a26207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:16px;">$ </div><div id="a26209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:16px;">8,791</div><div id="a26211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Commercial real estate </div><div id="a26214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:32px;">575</div><div id="a26218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:32px;">714</div><div id="a26220" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Commercial and industrial </div><div id="a26223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:48px;">109</div><div id="a26227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:48px;">178</div><div id="a26229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Consumer and other </div><div id="a26232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:584px;top:64px;">210</div><div id="a26236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:64px;">254</div><div id="a26238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total </div><div id="a26240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:81px;">$ </div><div id="a26242" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:573px;top:81px;">8,520</div><div id="a26245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:81px;">$ </div><div id="a26247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:81px;">9,937</div></div> 3551000 3544000 5021000 5035000 393000 393000 696000 695000 3944000 3937000 5717000 5730000 3655000 3626000 155000 3985000 3950000 178000 82000 82000 41000 141000 141000 71000 196000 196000 98000 224000 224000 111000 3933000 3904000 294000 4350000 4315000 360000 7877000 7841000 294000 10067000 10045000 360000 7626000 8791000 575000 714000 109000 178000 210000 254000 8520000 9937000 351000 415000 <div id="TextBlockContainer590" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:129px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_588_XBRL_TS_1f4d7c2fa915432ea1ae340f306bfaee" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer589" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:129px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:259px;top:0px;">December 31, 2022 </div><div id="a26290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:535px;top:0px;">December 31, 2021 </div><div id="a26293" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:179px;top:33px;">Accrual Status </div><div id="a26296" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:277px;top:19px;">Non-Accrual </div><div id="a26299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:295px;top:33px;">Status </div><div id="a26302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:33px;">Total TDRs </div><div id="a26305" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:455px;top:33px;">Accrual Status </div><div id="a26308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:553px;top:19px;">Non-Accrual </div><div id="a26311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:33px;">Status </div><div id="a26314" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:649px;top:33px;">Total TDRs </div><div id="a26316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Residential real estate </div><div id="a26318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:177px;top:49px;">$ </div><div id="a26320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:49px;">7,206</div><div id="a26323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:49px;">$ </div><div id="a26325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:49px;">- </div><div id="a26328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:49px;">$ </div><div id="a26330" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:49px;">7,206</div><div id="a26333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:49px;">$ </div><div id="a26335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:49px;">7,815</div><div id="a26338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:49px;">$ </div><div id="a26340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:49px;">- </div><div id="a26343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:49px;">$ </div><div id="a26345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:49px;">7,815</div><div id="a26347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Commercial real estate </div><div id="a26350" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:241px;top:65px;">393</div><div id="a26354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:65px;">- </div><div id="a26358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:425px;top:65px;">393</div><div id="a26362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:65px;">696</div><div id="a26366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:65px;">- </div><div id="a26370" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:65px;">696</div><div id="a26372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Commercial and industrial </div><div id="a26375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:247px;top:81px;">82</div><div id="a26379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:81px;">- </div><div id="a26383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:431px;top:81px;">82</div><div id="a26387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:81px;">141</div><div id="a26391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:81px;">- </div><div id="a26395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">141</div><div id="a26397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:96px;">Consumer and other<div style="display:inline-block;width:3px"> </div></div><div id="a26400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:241px;top:97px;">196</div><div id="a26404" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:97px;">- </div><div id="a26408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:425px;top:97px;">196</div><div id="a26412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:97px;">224</div><div id="a26416" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:97px;">- </div><div id="a26420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:97px;">224</div><div id="a26422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:113px;">Total </div><div id="a26424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:177px;top:114px;">$ </div><div id="a26426" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:230px;top:114px;">7,877</div><div id="a26429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:114px;">$ </div><div id="a26431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:349px;top:114px;">- </div><div id="a26434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:114px;">$ </div><div id="a26436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:114px;">7,877</div><div id="a26439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:114px;">$ </div><div id="a26441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:114px;">8,876</div><div id="a26444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:114px;">$ </div><div id="a26446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:114px;">- </div><div id="a26449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:114px;">$ </div><div id="a26451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:114px;">8,876</div></div></div></div> 7206000 7206000 7815000 7815000 393000 393000 696000 696000 82000 82000 141000 141000 196000 196000 224000 224000 7877000 7877000 8876000 8876000 294000 360000 18000 0 0 0 0 0 0 0 0 0 <div id="TextBlockContainer594" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:281px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26528" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">4.<div style="display:inline-block;width:37px"> </div>LEASES </div><div id="a26534" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>enters<div style="display:inline-block;width:6px"> </div>into<div style="display:inline-block;width:7px"> </div>leases<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>normal<div style="display:inline-block;width:7px"> </div>course<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>business<div style="display:inline-block;width:6px"> </div>primarily<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:7px"> </div>banking<div style="display:inline-block;width:6px"> </div>centers<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>back-office </div><div id="a26538" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">operations. As of<div style="display:inline-block;width:5px"> </div>December 31, 2022, the<div style="display:inline-block;width:5px"> </div>Company leased nine<div style="display:inline-block;width:5px"> </div>of the ten<div style="display:inline-block;width:5px"> </div>banking centers and<div style="display:inline-block;width:5px"> </div>the headquarter building. </div><div id="a26550" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">The Company<div style="display:inline-block;width:6px"> </div>is obligated<div style="display:inline-block;width:6px"> </div>under non-cancelable<div style="display:inline-block;width:6px"> </div>operating leases<div style="display:inline-block;width:6px"> </div>for these<div style="display:inline-block;width:6px"> </div>premises<div style="display:inline-block;width:5px"> </div>with expiration<div style="display:inline-block;width:6px"> </div>dates ranging<div style="display:inline-block;width:6px"> </div>from </div><div id="a26557" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">2026 to 2036, many of these leases have extension<div style="display:inline-block;width:5px"> </div>clauses which the Company could exercise which<div style="display:inline-block;width:5px"> </div>would extend these </div><div id="a26568" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">dates.<div style="display:inline-block;width:4px"> </div></div><div id="a26572" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:126px;">The Company<div style="display:inline-block;width:5px"> </div>has classified<div style="display:inline-block;width:5px"> </div>all leases as<div style="display:inline-block;width:6px"> </div>operating leases.<div style="display:inline-block;width:5px"> </div>Lease expense<div style="display:inline-block;width:5px"> </div>for operating<div style="display:inline-block;width:5px"> </div>leases are<div style="display:inline-block;width:5px"> </div>recognized on<div style="display:inline-block;width:5px"> </div>a </div><div id="a26576" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:141px;">straight-line basis over<div style="display:inline-block;width:6px"> </div>the lease term.<div style="display:inline-block;width:6px"> </div>Right-of-use (“ROU”)<div style="display:inline-block;width:5px"> </div>assets represent the<div style="display:inline-block;width:6px"> </div>right to use<div style="display:inline-block;width:5px"> </div>the underlying<div style="display:inline-block;width:5px"> </div>asset for the </div><div id="a26591" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">lease<div style="display:inline-block;width:5px"> </div>term<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>lease<div style="display:inline-block;width:6px"> </div>liabilities<div style="display:inline-block;width:6px"> </div>represent<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>obligation<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>make<div style="display:inline-block;width:6px"> </div>lease<div style="display:inline-block;width:5px"> </div>payments<div style="display:inline-block;width:6px"> </div>arising<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>lease.<div style="display:inline-block;width:5px"> </div>The<div style="display:inline-block;width:6px"> </div>Company </div><div id="a26594" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:172px;">elected the short-term<div style="display:inline-block;width:6px"> </div>lease recognition exemption<div style="display:inline-block;width:5px"> </div>for all leases<div style="display:inline-block;width:5px"> </div>that qualify,<div style="display:inline-block;width:6px"> </div>meaning those<div style="display:inline-block;width:5px"> </div>with terms under<div style="display:inline-block;width:5px"> </div>12 months. </div><div id="a26599" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:187px;">ROU assets or lease liabilities are not to be recognized<div style="display:inline-block;width:5px"> </div>for short-term leases. </div><div id="a26604" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:218px;">ROU assets and<div style="display:inline-block;width:2px"> </div>lease liabilities are<div style="display:inline-block;width:2px"> </div>recognized at the lease<div style="display:inline-block;width:2px"> </div>commencement date based on<div style="display:inline-block;width:2px"> </div>the estimated present value </div><div id="a26606" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:233px;">of lease payments<div style="display:inline-block;width:6px"> </div>over the<div style="display:inline-block;width:5px"> </div>lease term.<div style="display:inline-block;width:5px"> </div>In the Comp<div style="display:inline-block;width:1px"> </div>any’s Consolidated<div style="display:inline-block;width:6px"> </div>Balance Sheets,<div style="display:inline-block;width:5px"> </div>ROU assets<div style="display:inline-block;width:5px"> </div>are reported<div style="display:inline-block;width:5px"> </div>under </div><div id="a26613" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:249px;">other assets while lease liabilities are classified under<div style="display:inline-block;width:5px"> </div>accrued interest and other liabilities.<div style="display:inline-block;width:5px"> </div></div></div><div id="TextBlockContainer596" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:78px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26639" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">As<div style="display:inline-block;width:7px"> </div>most<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>Company’s<div style="display:inline-block;width:7px"> </div>leases<div style="display:inline-block;width:7px"> </div>do<div style="display:inline-block;width:7px"> </div>not<div style="display:inline-block;width:7px"> </div>provide<div style="display:inline-block;width:7px"> </div>an<div style="display:inline-block;width:7px"> </div>implicit<div style="display:inline-block;width:7px"> </div>rate,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>incremental<div style="display:inline-block;width:7px"> </div>borrowing<div style="display:inline-block;width:7px"> </div>rate<div style="display:inline-block;width:7px"> </div>based<div style="display:inline-block;width:7px"> </div>on<div style="display:inline-block;width:7px"> </div>the </div><div id="a26643" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">information available<div style="display:inline-block;width:6px"> </div>at commencement<div style="display:inline-block;width:6px"> </div>date is<div style="display:inline-block;width:6px"> </div>used. The<div style="display:inline-block;width:6px"> </div>Company’s incremental<div style="display:inline-block;width:6px"> </div>borrowing rate<div style="display:inline-block;width:6px"> </div>is based<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:5px"> </div>FHLB </div><div id="a26649" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">advance rate matching or nearing the lease term.<div style="display:inline-block;width:9px"> </div></div><div id="a26652" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">The following table presents the ROU assets and lease liabilities<div style="display:inline-block;width:5px"> </div>as of December 31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer599" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:92px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:576px;top:0px;">2022 </div><div id="a26676" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a26678" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">ROU assets: </div><div id="a26685" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:32px;">$ </div><div id="a26689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:32px;">14,395</div><div id="a26692" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:32px;">$ </div><div id="a26694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:32px;">14,185</div><div id="a26702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:61px;">Lease liabilities: </div><div id="a26709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:78px;">$ </div><div id="a26713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:78px;">14,395</div><div id="a26716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:78px;">$ </div><div id="a26718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:78px;">14,185</div></div><div id="TextBlockContainer602" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:702px;height:17px;display:inline-block;"><div id="a26721" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">The weighted average remaining lease term and weighted average<div style="display:inline-block;width:5px"> </div>discount rate as of December 31, 2022 and 2021:</div></div><div id="TextBlockContainer605" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:0px;">2022 </div><div id="a26737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:0px;">2021 </div><div id="a26739" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Weighted average remaining lease term (in years): </div><div id="a26746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Operating leases </div><div id="a26748" style="position:absolute;font-family:'Arial';left:593px;top:32px;">6.98</div><div id="a26752" style="position:absolute;font-family:'Arial';left:687px;top:32px;">8.28</div><div id="a26761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:61px;">Weighted average discount rate: </div><div id="a26768" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:78px;">2.94</div><div id="a26772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:617px;top:78px;">% </div><div id="a26775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:687px;top:78px;">2.32</div><div id="a26777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:78px;">%</div></div><div id="TextBlockContainer608" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:666px;height:16px;display:inline-block;"><div id="a26780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">Future lease payment obligations and a reconciliation to lease<div style="display:inline-block;width:5px"> </div>liability as of December 31, 2022 (in thousands):</div></div><div id="TextBlockContainer611" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:0px;">2023 </div><div id="a26791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:1px;">$ </div><div id="a26793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:1px;">3,158</div><div id="a26795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:15px;">2024 </div><div id="a26798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:16px;">3,236</div><div id="a26800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:30px;">2025 </div><div id="a26803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:31px;">3,312</div><div id="a26805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:46px;">2026 </div><div id="a26808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:46px;">2,383</div><div id="a26810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:61px;">2027 </div><div id="a26813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:61px;">951</div><div id="a26815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:76px;">Thereafter </div><div id="a26818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:77px;">3,478</div><div id="a26820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:92px;">Total<div style="display:inline-block;width:5px"> </div>future minimum lease payments </div><div id="a26824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:93px;">16,518</div><div id="a26826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:108px;">Less: interest component </div><div id="a26829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:687px;top:109px;display:flex;">(2,123)</div><div id="a26831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:124px;">Total<div style="display:inline-block;width:5px"> </div>lease liability </div><div id="a26833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:125px;">$ </div><div id="a26835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:125px;">14,395</div></div> <div id="TextBlockContainer600" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:92px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_598_XBRL_TS_252702c084644dd9aab8d556325d99c7" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer599" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:92px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:576px;top:0px;">2022 </div><div id="a26676" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a26678" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">ROU assets: </div><div id="a26685" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:32px;">$ </div><div id="a26689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:32px;">14,395</div><div id="a26692" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:32px;">$ </div><div id="a26694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:32px;">14,185</div><div id="a26702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:61px;">Lease liabilities: </div><div id="a26709" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26711" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:78px;">$ </div><div id="a26713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:78px;">14,395</div><div id="a26716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:78px;">$ </div><div id="a26718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:78px;">14,185</div></div></div></div> 14395000 14185000 14395000 14185000 <div id="TextBlockContainer606" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_604_XBRL_TS_4fbf89af87d2404c93187ca1d883edd3" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer605" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:0px;">2022 </div><div id="a26737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:0px;">2021 </div><div id="a26739" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Weighted average remaining lease term (in years): </div><div id="a26746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Operating leases </div><div id="a26748" style="position:absolute;font-family:'Arial';left:593px;top:32px;">6.98</div><div id="a26752" style="position:absolute;font-family:'Arial';left:687px;top:32px;">8.28</div><div id="a26761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:61px;">Weighted average discount rate: </div><div id="a26768" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:77px;">Operating leases<div style="display:inline-block;width:3px"> </div></div><div id="a26770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:78px;">2.94</div><div id="a26772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:617px;top:78px;">% </div><div id="a26775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:687px;top:78px;">2.32</div><div id="a26777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:78px;">%</div></div></div></div> P6Y11M23D P8Y3M10D 0.0294 0.0232 <div id="TextBlockContainer612" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_610_XBRL_TS_3adf7fb85855449fbe1d2235b69b18cc" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer611" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26789" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:0px;">2023 </div><div id="a26791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:1px;">$ </div><div id="a26793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:1px;">3,158</div><div id="a26795" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:15px;">2024 </div><div id="a26798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:16px;">3,236</div><div id="a26800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:30px;">2025 </div><div id="a26803" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:31px;">3,312</div><div id="a26805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:46px;">2026 </div><div id="a26808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:46px;">2,383</div><div id="a26810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:61px;">2027 </div><div id="a26813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:61px;">951</div><div id="a26815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:76px;">Thereafter </div><div id="a26818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:77px;">3,478</div><div id="a26820" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:92px;">Total<div style="display:inline-block;width:5px"> </div>future minimum lease payments </div><div id="a26824" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:93px;">16,518</div><div id="a26826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:108px;">Less: interest component </div><div id="a26829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:687px;top:109px;display:flex;">(2,123)</div><div id="a26831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:124px;">Total<div style="display:inline-block;width:5px"> </div>lease liability </div><div id="a26833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:125px;">$ </div><div id="a26835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:125px;">14,395</div></div></div></div> 3158000 3236000 3312000 2383000 951000 3478000 16518000 2123000 14395000 <div id="TextBlockContainer614" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:696px;height:50px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26838" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">5.<div style="display:inline-block;width:37px"> </div>PREMISES AND EQUIPMENT<div style="display:inline-block;width:4px"> </div></div><div id="a26846" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">A summary of premises and equipment are presented<div style="display:inline-block;width:5px"> </div>below as of December 31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer617" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:144px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:576px;top:0px;">2022 </div><div id="a26857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a26859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Land </div><div id="a26861" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:16px;">$ </div><div id="a26863" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:16px;">972</div><div id="a26866" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:16px;">$ </div><div id="a26868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:16px;">972</div><div id="a26870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Building </div><div id="a26873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:32px;">1,952</div><div id="a26877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">1,947</div><div id="a26879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Furniture, fixtures and equipment </div><div id="a26882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:48px;">8,841</div><div id="a26886" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">8,726</div><div id="a26888" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Computer hardware and software </div><div id="a26891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:64px;">4,575</div><div id="a26895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:64px;">4,552</div><div id="a26897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:79px;">Leasehold improvements </div><div id="a26900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:80px;">10,451</div><div id="a26904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:80px;">9,921</div><div id="a26906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Premises and equipment, gross </div><div id="a26909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:96px;">26,791</div><div id="a26913" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:96px;">26,118</div><div id="a26915" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:111px;">Accumulated depreciation and amortization </div><div id="a26918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:112px;display:flex;">(21,528)</div><div id="a26922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:112px;display:flex;">(20,840)</div><div id="a26924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:128px;">Premises and equipment, net </div><div id="a26926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:129px;">$ </div><div id="a26928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:129px;">5,263</div><div id="a26931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:129px;">$ </div><div id="a26933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:129px;">5,278</div></div><div id="TextBlockContainer620" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:62px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26936" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Depreciation and<div style="display:inline-block;width:5px"> </div>amortization expense<div style="display:inline-block;width:6px"> </div>was $</div><div id="a26936_43_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:302px;top:0px;">688</div><div id="a26936_46_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:324px;top:0px;"><div style="display:inline-block;width:4px"> </div>thousand and<div style="display:inline-block;width:5px"> </div>$</div><div id="a26936_61_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:0px;">1.0</div><div id="a26936_64_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:0px;"><div style="display:inline-block;width:4px"> </div>million for<div style="display:inline-block;width:5px"> </div>the years<div style="display:inline-block;width:5px"> </div>ended December 31,<div style="display:inline-block;width:5px"> </div>2022 </div><div id="a26951" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">and 2021, respectively.<div style="display:inline-block;width:6px"> </div>During 2021, the Company<div style="display:inline-block;width:5px"> </div>eliminated $</div><div id="a26951_61_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:383px;top:15px;">0.6</div><div id="a26951_64_57" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:15px;"><div style="display:inline-block;width:4px"> </div>million in assets<div style="display:inline-block;width:5px"> </div>due to the sale of<div style="display:inline-block;width:5px"> </div>one banking center </div><div id="a26957" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">and relocation<div style="display:inline-block;width:6px"> </div>of another<div style="display:inline-block;width:6px"> </div>banking center.<div style="display:inline-block;width:7px"> </div>The depreciation<div style="display:inline-block;width:6px"> </div>on these<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:5px"> </div>was $</div><div id="a26957_80_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:499px;top:31px;">0.6</div><div id="a26957_83_35" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:518px;top:31px;"><div style="display:inline-block;width:5px"> </div>million<div style="display:inline-block;width:5px"> </div>with the<div style="display:inline-block;width:6px"> </div>remaining<div style="display:inline-block;width:5px"> </div>amount </div><div id="a26958" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">recognized as an immaterial loss.</div></div> <div id="TextBlockContainer618" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:144px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_616_XBRL_TS_3c37354e0b434a258fa308d673bf4eeb" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer617" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:144px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:576px;top:0px;">2022 </div><div id="a26857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a26859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Land </div><div id="a26861" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:16px;">$ </div><div id="a26863" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:16px;">972</div><div id="a26866" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:16px;">$ </div><div id="a26868" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:16px;">972</div><div id="a26870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Building </div><div id="a26873" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:32px;">1,952</div><div id="a26877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">1,947</div><div id="a26879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Furniture, fixtures and equipment </div><div id="a26882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:48px;">8,841</div><div id="a26886" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">8,726</div><div id="a26888" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Computer hardware and software </div><div id="a26891" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:64px;">4,575</div><div id="a26895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:64px;">4,552</div><div id="a26897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:79px;">Leasehold improvements </div><div id="a26900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:80px;">10,451</div><div id="a26904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:80px;">9,921</div><div id="a26906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Premises and equipment, gross </div><div id="a26909" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:592px;top:96px;">26,791</div><div id="a26913" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:96px;">26,118</div><div id="a26915" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:111px;">Accumulated depreciation and amortization </div><div id="a26918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:588px;top:112px;display:flex;">(21,528)</div><div id="a26922" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:112px;display:flex;">(20,840)</div><div id="a26924" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:128px;">Premises and equipment, net </div><div id="a26926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:129px;">$ </div><div id="a26928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:129px;">5,263</div><div id="a26931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:129px;">$ </div><div id="a26933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:129px;">5,278</div></div></div></div> 972000 972000 1952000 1947000 8841000 8726000 4575000 4552000 10451000 9921000 26791000 26118000 21528000 20840000 5263000 5278000 688000 1000000.0 600000 600000 <div id="TextBlockContainer622" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:66px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a26981" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">6.<div style="display:inline-block;width:25px"> </div>INCOME TAXES<div style="display:inline-block;width:5px"> </div></div><div id="a26987" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The Company’s provision<div style="display:inline-block;width:5px"> </div>for income taxes is<div style="display:inline-block;width:5px"> </div>presented in the following<div style="display:inline-block;width:5px"> </div>table for the years<div style="display:inline-block;width:5px"> </div>ended December 31, 2022 </div><div id="a26998" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">and 2021 (in thousands):</div></div><div id="TextBlockContainer628" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:48px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27106" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The actual income tax<div style="display:inline-block;width:2px"> </div>expense for the years<div style="display:inline-block;width:2px"> </div>ended December 31, 2022 and<div style="display:inline-block;width:2px"> </div>2021 differs from the<div style="display:inline-block;width:2px"> </div>statutory tax expense </div><div id="a27120" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">for the year (computed by applying the<div style="display:inline-block;width:2px"> </div>U.S. federal corporate tax rate of </div><div id="a27120_74_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:15px;">21</div><div id="a27120_76_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:444px;top:15px;">% for 2022 and 2021 to<div style="display:inline-block;width:2px"> </div>income before provision </div><div id="a27127" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">for income taxes) as follows (in thousands):</div></div><div id="TextBlockContainer631" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:97px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Federal taxes at statutory rate </div><div id="a27143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:16px;">$ </div><div id="a27145" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:16px;">5,688</div><div id="a27148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:16px;">$ </div><div id="a27150" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:16px;">5,812</div><div id="a27152" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">State income taxes, net of federal tax benefit </div><div id="a27155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:32px;">1,177</div><div id="a27158" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27160" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:32px;">969</div><div id="a27162" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Bank owned life insurance </div><div id="a27165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:48px;display:flex;">(269)</div><div id="a27168" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:48px;">$ </div><div id="a27170" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:48px;display:flex;">(186)</div><div id="a27172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Other, net </div><div id="a27175" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:64px;">348</div><div id="a27178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:64px;">$ </div><div id="a27180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:714px;top:64px;">5</div><div id="a27182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>tax expense </div><div id="a27184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:81px;">$ </div><div id="a27186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:81px;">6,944</div><div id="a27189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:81px;">$ </div><div id="a27191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:81px;">6,600</div></div><div id="TextBlockContainer634" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27194" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The<div style="display:inline-block;width:4px"> </div>following table presents<div style="display:inline-block;width:5px"> </div>the deferred tax assets<div style="display:inline-block;width:5px"> </div>and deferred tax liabilities<div style="display:inline-block;width:5px"> </div>as of December 31, 2022<div style="display:inline-block;width:5px"> </div>and 2021 (in </div><div id="a27208" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">thousands):</div></div><div id="TextBlockContainer638" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:337px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_636_XBRL_TS_8cf30242b8b34e779211837bf236c28d" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer637" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:337px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Deferred tax assets: </div><div id="a27225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Net operating loss </div><div id="a27227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:32px;">$ </div><div id="a27229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:32px;">21,720</div><div id="a27232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:32px;">28,819</div><div id="a27236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Allowance for credit losses </div><div id="a27239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:48px;">4,432</div><div id="a27243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">3,816</div><div id="a27245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Lease liability </div><div id="a27249" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:64px;">3,648</div><div id="a27253" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:64px;">3,595</div><div id="a27255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:79px;">Unrealized loss on available for sale securities </div><div id="a27258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:80px;">15,193</div><div id="a27262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:80px;">817</div><div id="a27264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Deferred loan fees </div><div id="a27267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:96px;-sec-ix-hidden:ID_695;">-</div><div id="a27271" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:96px;">400</div><div id="a27273" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Depreciable property </div><div id="a27276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:112px;">158</div><div id="a27280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:112px;">361</div><div id="a27282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:127px;">Stock option compensation </div><div id="a27285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;">373</div><div id="a27289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:128px;">241</div><div id="a27291" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:143px;">Accruals </div><div id="a27294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:144px;">723</div><div id="a27298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:144px;">600</div><div id="a27300" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:159px;">Other, net </div><div id="a27303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:160px;-sec-ix-hidden:ID_660;">-</div><div id="a27307" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:714px;top:160px;">2</div><div id="a27309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Deferred tax asset </div><div id="a27311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:176px;">$ </div><div id="a27313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:176px;">46,247</div><div id="a27316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:176px;">$ </div><div id="a27318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:176px;">38,651</div><div id="a27326" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:207px;">Deferred tax liability: </div><div id="a27333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:223px;">Deferred loan cost </div><div id="a27336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:577px;top:224px;display:flex;">(28)</div><div id="a27340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:224px;-sec-ix-hidden:ID_1487;">-</div><div id="a27342" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:239px;">Lease right of use asset </div><div id="a27345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:560px;top:240px;display:flex;">(3,648)</div><div id="a27349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:240px;display:flex;">(3,595)</div><div id="a27351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:255px;">Deferred expenses </div><div id="a27354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:256px;display:flex;">(175)</div><div id="a27358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:256px;display:flex;">(127)</div><div id="a27360" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:271px;">Other, net </div><div id="a27363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:577px;top:272px;display:flex;">(36)</div><div id="a27367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:272px;-sec-ix-hidden:ID_1600;">-</div><div id="a27369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:288px;">Deferred tax liability </div><div id="a27371" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:288px;">$ </div><div id="a27373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:560px;top:288px;display:flex;">(3,887)</div><div id="a27376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:288px;">$ </div><div id="a27378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:288px;display:flex;">(3,722)</div><div id="a27386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:320px;">Net deferred tax asset </div><div id="a27389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:322px;">$ </div><div id="a27391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:322px;">42,360</div><div id="a27394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:322px;">$ </div><div id="a27396" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:322px;">34,929</div></div></div></div><div id="TextBlockContainer640" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:48px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27399" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">At<div style="display:inline-block;width:6px"> </div>December<div style="display:inline-block;width:7px"> </div>31,<div style="display:inline-block;width:6px"> </div>2022<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>had<div style="display:inline-block;width:6px"> </div>approximately<div style="display:inline-block;width:7px"> </div>$</div><div id="a27399_52_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:391px;top:0px;">81.8</div><div id="a27399_56_25" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:417px;top:0px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>Federal<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:7px"> </div>$</div><div id="a27399_81_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:0px;">104.5</div><div id="a27399_86_22" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:603px;top:0px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>State<div style="display:inline-block;width:6px"> </div>net </div><div id="a27418" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">operating<div style="display:inline-block;width:5px"> </div>loss<div style="display:inline-block;width:5px"> </div>carryforwards<div style="display:inline-block;width:5px"> </div>expiring<div style="display:inline-block;width:5px"> </div>in<div style="display:inline-block;width:5px"> </div>various<div style="display:inline-block;width:5px"> </div>amounts<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:5px"> </div>2031 to<div style="display:inline-block;width:6px"> </div>2036.<div style="display:inline-block;width:5px"> </div>Their<div style="display:inline-block;width:5px"> </div>utilization<div style="display:inline-block;width:5px"> </div>is limited<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>future<div style="display:inline-block;width:5px"> </div>taxable </div><div id="a27422" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">earnings of the Company. </div></div><div id="TextBlockContainer642" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:201px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27445" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:15px;">In assessing the<div style="display:inline-block;width:2px"> </div>realizability of deferred<div style="display:inline-block;width:2px"> </div>tax assets, management<div style="display:inline-block;width:2px"> </div>considered whether it<div style="display:inline-block;width:2px"> </div>is more likely<div style="display:inline-block;width:2px"> </div>than not that<div style="display:inline-block;width:2px"> </div>some </div><div id="a27446" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">portion or<div style="display:inline-block;width:6px"> </div>all of<div style="display:inline-block;width:6px"> </div>the deferred<div style="display:inline-block;width:6px"> </div>tax assets<div style="display:inline-block;width:6px"> </div>will not<div style="display:inline-block;width:6px"> </div>be realized.<div style="display:inline-block;width:6px"> </div>The ultimate<div style="display:inline-block;width:6px"> </div>realization of<div style="display:inline-block;width:6px"> </div>deferred tax<div style="display:inline-block;width:6px"> </div>assets is<div style="display:inline-block;width:6px"> </div>dependent </div><div id="a27449" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">upon the generation of<div style="display:inline-block;width:5px"> </div>future taxable income<div style="display:inline-block;width:5px"> </div>during the periods in<div style="display:inline-block;width:5px"> </div>which those temporary differences<div style="display:inline-block;width:6px"> </div>become deductible. </div><div id="a27450" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">Management considers the scheduled reversal<div style="display:inline-block;width:5px"> </div>of deferred tax liabilities, projected future taxable<div style="display:inline-block;width:5px"> </div>income, and tax planning </div><div id="a27452" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">strategies in making this assessment. </div><div id="a27455" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:107px;">The U.S.<div style="display:inline-block;width:5px"> </div>Federal jurisdiction<div style="display:inline-block;width:6px"> </div>and Florida<div style="display:inline-block;width:5px"> </div>are the<div style="display:inline-block;width:5px"> </div>major tax<div style="display:inline-block;width:6px"> </div>jurisdictions where<div style="display:inline-block;width:5px"> </div>the Company<div style="display:inline-block;width:6px"> </div>files income<div style="display:inline-block;width:6px"> </div>tax returns. </div><div id="a27459" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">The Company is generally no longer subject to U.S. Federal or State<div style="display:inline-block;width:2px"> </div>examinations by tax authorities for years before 2019. </div><div id="a27468" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:153px;">For<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>years ended<div style="display:inline-block;width:6px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2022 and<div style="display:inline-block;width:7px"> </div>2021,<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>did </div><div id="a27468_64_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:153px;">no</div><div id="a27468_66_42" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:470px;top:153px;">t have<div style="display:inline-block;width:7px"> </div>any unrecognized<div style="display:inline-block;width:7px"> </div>tax benefits<div style="display:inline-block;width:7px"> </div>as a </div><div id="a27471" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">result of<div style="display:inline-block;width:6px"> </div>tax positions<div style="display:inline-block;width:6px"> </div>taken during<div style="display:inline-block;width:6px"> </div>a prior<div style="display:inline-block;width:6px"> </div>period or<div style="display:inline-block;width:6px"> </div>during the<div style="display:inline-block;width:6px"> </div>current period.<div style="display:inline-block;width:6px"> </div>Additionally, </div><div id="a27471_96_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:169px;">no</div><div id="a27471_98_28" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:568px;top:169px;"><div style="display:inline-block;width:5px"> </div>interest or<div style="display:inline-block;width:6px"> </div>penalties<div style="display:inline-block;width:5px"> </div>were </div><div id="a27473" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">recorded as a result of tax uncertainties.</div></div><div id="TextBlockContainer626" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:176px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_624_XBRL_TS_150531db2db94ea492b10ed3a8140026" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer625" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:176px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27011" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Current: </div><div id="a27020" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Federal </div><div id="a27022" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:32px;">$ </div><div id="a27024" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:32px;-sec-ix-hidden:ID_676;">-</div><div id="a27027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27029" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;-sec-ix-hidden:ID_677;">-</div><div id="a27031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">State </div><div id="a27034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:48px;-sec-ix-hidden:ID_678;">-</div><div id="a27037" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:48px;">$ </div><div id="a27039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:48px;-sec-ix-hidden:ID_679;">-</div><div id="a27041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Total<div style="display:inline-block;width:5px"> </div>current </div><div id="a27044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:64px;-sec-ix-hidden:ID_680;">-</div><div id="a27047" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:64px;">$ </div><div id="a27049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:64px;-sec-ix-hidden:ID_681;">-</div><div id="a27051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:79px;">Deferred: </div><div id="a27058" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Federal </div><div id="a27061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:96px;">5,462</div><div id="a27064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:96px;">$ </div><div id="a27066" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:96px;">5,314</div><div id="a27068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">State </div><div id="a27071" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:112px;">1,482</div><div id="a27074" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:112px;">$ </div><div id="a27076" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:112px;">1,286</div><div id="a27078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">Total<div style="display:inline-block;width:5px"> </div>deferred </div><div id="a27081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:128px;">6,944</div><div id="a27084" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:128px;">$ </div><div id="a27086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:128px;">6,600</div><div id="a27094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:160px;">Total<div style="display:inline-block;width:5px"> </div>tax expense </div><div id="a27096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:161px;">$ </div><div id="a27098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:161px;">6,944</div><div id="a27101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:161px;">$ </div><div id="a27103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:161px;">6,600</div></div></div></div> <div id="TextBlockContainer625" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:176px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27011" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Current: </div><div id="a27020" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Federal </div><div id="a27022" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:32px;">$ </div><div id="a27024" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:32px;-sec-ix-hidden:ID_676;">-</div><div id="a27027" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27029" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;-sec-ix-hidden:ID_677;">-</div><div id="a27031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">State </div><div id="a27034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:48px;-sec-ix-hidden:ID_678;">-</div><div id="a27037" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:48px;">$ </div><div id="a27039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:48px;-sec-ix-hidden:ID_679;">-</div><div id="a27041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Total<div style="display:inline-block;width:5px"> </div>current </div><div id="a27044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:64px;-sec-ix-hidden:ID_680;">-</div><div id="a27047" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:64px;">$ </div><div id="a27049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:64px;-sec-ix-hidden:ID_681;">-</div><div id="a27051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:79px;">Deferred: </div><div id="a27058" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Federal </div><div id="a27061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:96px;">5,462</div><div id="a27064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:96px;">$ </div><div id="a27066" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:96px;">5,314</div><div id="a27068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">State </div><div id="a27071" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:112px;">1,482</div><div id="a27074" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:112px;">$ </div><div id="a27076" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:112px;">1,286</div><div id="a27078" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">Total<div style="display:inline-block;width:5px"> </div>deferred </div><div id="a27081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:128px;">6,944</div><div id="a27084" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:128px;">$ </div><div id="a27086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:128px;">6,600</div><div id="a27094" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:160px;">Total<div style="display:inline-block;width:5px"> </div>tax expense </div><div id="a27096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:161px;">$ </div><div id="a27098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:161px;">6,944</div><div id="a27101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:161px;">$ </div><div id="a27103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:161px;">6,600</div></div> 5462000 5314000 1482000 1286000 6944000 6600000 6944000 6600000 0.21 0.21 <div id="TextBlockContainer632" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:97px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_630_XBRL_TS_197295d2cb5f48e5909ee45a0c4b0e0a" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer631" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:97px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Federal taxes at statutory rate </div><div id="a27143" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:16px;">$ </div><div id="a27145" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:16px;">5,688</div><div id="a27148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:16px;">$ </div><div id="a27150" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:16px;">5,812</div><div id="a27152" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">State income taxes, net of federal tax benefit </div><div id="a27155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:32px;">1,177</div><div id="a27158" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27160" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:32px;">969</div><div id="a27162" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Bank owned life insurance </div><div id="a27165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:48px;display:flex;">(269)</div><div id="a27168" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:48px;">$ </div><div id="a27170" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:48px;display:flex;">(186)</div><div id="a27172" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Other, net </div><div id="a27175" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:64px;">348</div><div id="a27178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:64px;">$ </div><div id="a27180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:714px;top:64px;">5</div><div id="a27182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>tax expense </div><div id="a27184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:81px;">$ </div><div id="a27186" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:81px;">6,944</div><div id="a27189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:81px;">$ </div><div id="a27191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:81px;">6,600</div></div></div></div> 5688000 5812000 1177000 969000 269000 186000 348000 5000 6944000 6600000 <div id="TextBlockContainer637" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:337px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a27216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a27218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Deferred tax assets: </div><div id="a27225" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Net operating loss </div><div id="a27227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:32px;">$ </div><div id="a27229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:32px;">21,720</div><div id="a27232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:32px;">$ </div><div id="a27234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:32px;">28,819</div><div id="a27236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Allowance for credit losses </div><div id="a27239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:48px;">4,432</div><div id="a27243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">3,816</div><div id="a27245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Lease liability </div><div id="a27249" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:64px;">3,648</div><div id="a27253" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:64px;">3,595</div><div id="a27255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:79px;">Unrealized loss on available for sale securities </div><div id="a27258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:80px;">15,193</div><div id="a27262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:80px;">817</div><div id="a27264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Deferred loan fees </div><div id="a27267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:96px;-sec-ix-hidden:ID_695;">-</div><div id="a27271" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:96px;">400</div><div id="a27273" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Depreciable property </div><div id="a27276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:112px;">158</div><div id="a27280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:112px;">361</div><div id="a27282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:127px;">Stock option compensation </div><div id="a27285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;">373</div><div id="a27289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:128px;">241</div><div id="a27291" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:143px;">Accruals </div><div id="a27294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:144px;">723</div><div id="a27298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:144px;">600</div><div id="a27300" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:159px;">Other, net </div><div id="a27303" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:160px;-sec-ix-hidden:ID_660;">-</div><div id="a27307" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:714px;top:160px;">2</div><div id="a27309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Deferred tax asset </div><div id="a27311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:176px;">$ </div><div id="a27313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:176px;">46,247</div><div id="a27316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:176px;">$ </div><div id="a27318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:176px;">38,651</div><div id="a27326" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:207px;">Deferred tax liability: </div><div id="a27333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:223px;">Deferred loan cost </div><div id="a27336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:577px;top:224px;display:flex;">(28)</div><div id="a27340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:224px;-sec-ix-hidden:ID_1487;">-</div><div id="a27342" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:239px;">Lease right of use asset </div><div id="a27345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:560px;top:240px;display:flex;">(3,648)</div><div id="a27349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:240px;display:flex;">(3,595)</div><div id="a27351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:255px;">Deferred expenses </div><div id="a27354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:256px;display:flex;">(175)</div><div id="a27358" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:697px;top:256px;display:flex;">(127)</div><div id="a27360" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:271px;">Other, net </div><div id="a27363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:577px;top:272px;display:flex;">(36)</div><div id="a27367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:272px;-sec-ix-hidden:ID_1600;">-</div><div id="a27369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:288px;">Deferred tax liability </div><div id="a27371" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:288px;">$ </div><div id="a27373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:560px;top:288px;display:flex;">(3,887)</div><div id="a27376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:288px;">$ </div><div id="a27378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:686px;top:288px;display:flex;">(3,722)</div><div id="a27386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:320px;">Net deferred tax asset </div><div id="a27389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:322px;">$ </div><div id="a27391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:322px;">42,360</div><div id="a27394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:322px;">$ </div><div id="a27396" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:322px;">34,929</div></div> 21720000 28819000 4432000 3816000 3648000 3595000 15193000 817000 400000 158000 361000 373000 241000 723000 600000 2000 46247000 38651000 28000 3648000 3595000 175000 127000 36000 3887000 3722000 42360000 34929000 81800000 104500000 0 0 0 0 <div id="TextBlockContainer644" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:588px;height:50px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27476" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">7.<div style="display:inline-block;width:37px"> </div>DEPOSITS </div><div id="a27482" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The following table presents deposits by type at December<div style="display:inline-block;width:5px"> </div>31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer648" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:100px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_646_XBRL_TS_137bd91a9c514ae68ebc122098f5be8b" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer647" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:100px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27491" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:0px;">2022 </div><div id="a27494" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a27496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Non-interest bearing deposits </div><div id="a27501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:17px;">$ </div><div id="a27503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:17px;">629,776</div><div id="a27506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:17px;">$ </div><div id="a27508" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:17px;">605,425</div><div id="a27510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">Interest-bearing transaction accounts </div><div id="a27515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:587px;top:33px;">66,675</div><div id="a27519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:33px;">55,878</div><div id="a27521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Saving and money market deposits </div><div id="a27524" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:49px;">915,853</div><div id="a27528" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:49px;">703,856</div><div id="a27530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Time deposits </div><div id="a27533" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:65px;">216,977</div><div id="a27537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:65px;">225,220</div><div id="a27539" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:82px;">Total<div style="display:inline-block;width:5px"> </div>deposits </div><div id="a27541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:85px;">$ </div><div id="a27543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:85px;">1,829,281</div><div id="a27546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:85px;">$ </div><div id="a27548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:85px;">1,590,379</div></div></div></div><div id="TextBlockContainer650" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27551" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Time<div style="display:inline-block;width:6px"> </div>deposits<div style="display:inline-block;width:5px"> </div>exceeding<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>FDIC<div style="display:inline-block;width:5px"> </div>deposit<div style="display:inline-block;width:5px"> </div>insurance<div style="display:inline-block;width:5px"> </div>limit<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>$250<div style="display:inline-block;width:5px"> </div>thousand<div style="display:inline-block;width:5px"> </div>at<div style="display:inline-block;width:5px"> </div>December 31,<div style="display:inline-block;width:5px"> </div>2022<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>2021<div style="display:inline-block;width:5px"> </div>were </div><div id="a27571" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">$</div><div id="a27571_1_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:15px;">82.0</div><div id="a27571_5_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:15px;"><div style="display:inline-block;width:4px"> </div>million and $</div><div id="a27571_19_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:117px;top:15px;">119.4</div><div id="a27571_24_25" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:150px;top:15px;"><div style="display:inline-block;width:4px"> </div>million, respectively.<div style="display:inline-block;width:5px"> </div></div><div id="a27579" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">At December 31, 2022, the scheduled maturities of time deposits<div style="display:inline-block;width:5px"> </div>were (in thousands):</div></div><div id="TextBlockContainer654" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:114px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_652_XBRL_TS_5e8ba5f121d74563940529c8f75fa0c3" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer653" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:114px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27589" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:0px;">2023 </div><div id="a27591" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:1px;">$ </div><div id="a27593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:1px;">182,647</div><div id="a27595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">2024 </div><div id="a27598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:17px;">11,135</div><div id="a27600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">2025 </div><div id="a27603" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:33px;">1,998</div><div id="a27605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">2026 </div><div id="a27608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:49px;">20,402</div><div id="a27610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">2027 </div><div id="a27613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:65px;">549</div><div id="a27615" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Thereafter </div><div id="a27618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">246</div><div id="a27621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:98px;">$ </div><div id="a27623" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:98px;">216,977</div></div></div></div><div id="TextBlockContainer656" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27626" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">At December<div style="display:inline-block;width:5px"> </div>31, 2022<div style="display:inline-block;width:6px"> </div>and 2021,<div style="display:inline-block;width:6px"> </div>the aggregate<div style="display:inline-block;width:6px"> </div>amount of<div style="display:inline-block;width:6px"> </div>demand deposits<div style="display:inline-block;width:6px"> </div>reclassified to<div style="display:inline-block;width:6px"> </div>loans as<div style="display:inline-block;width:6px"> </div>overdrafts<div style="display:inline-block;width:5px"> </div>was </div><div id="a27635" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">$</div><div id="a27635_1_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:15px;">230</div><div id="a27635_4_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:35px;top:15px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a27635_19_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:130px;top:15px;">247</div><div id="a27635_22_24" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:152px;top:15px;"><div style="display:inline-block;width:4px"> </div>thousand, respectively.</div></div> <div id="TextBlockContainer647" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:100px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27491" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:571px;top:0px;">2022 </div><div id="a27494" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:668px;top:0px;">2021 </div><div id="a27496" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Non-interest bearing deposits </div><div id="a27501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:17px;">$ </div><div id="a27503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:17px;">629,776</div><div id="a27506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:17px;">$ </div><div id="a27508" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:17px;">605,425</div><div id="a27510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">Interest-bearing transaction accounts </div><div id="a27515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:587px;top:33px;">66,675</div><div id="a27519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:33px;">55,878</div><div id="a27521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">Saving and money market deposits </div><div id="a27524" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:49px;">915,853</div><div id="a27528" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:49px;">703,856</div><div id="a27530" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Time deposits </div><div id="a27533" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:65px;">216,977</div><div id="a27537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:65px;">225,220</div><div id="a27539" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:82px;">Total<div style="display:inline-block;width:5px"> </div>deposits </div><div id="a27541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:85px;">$ </div><div id="a27543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:85px;">1,829,281</div><div id="a27546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:85px;">$ </div><div id="a27548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:85px;">1,590,379</div></div> 629776000 605425000 66675000 55878000 915853000 703856000 216977000 225220000 1829281000 1590379000 82000000.0 119400000 <div id="TextBlockContainer653" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:114px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27589" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:0px;">2023 </div><div id="a27591" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:1px;">$ </div><div id="a27593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:1px;">182,647</div><div id="a27595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">2024 </div><div id="a27598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:17px;">11,135</div><div id="a27600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">2025 </div><div id="a27603" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:33px;">1,998</div><div id="a27605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:48px;">2026 </div><div id="a27608" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:49px;">20,402</div><div id="a27610" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">2027 </div><div id="a27613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:65px;">549</div><div id="a27615" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Thereafter </div><div id="a27618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:81px;">246</div><div id="a27621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:98px;">$ </div><div id="a27623" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:98px;">216,977</div></div> 182647000 11135000 1998000 20402000 549000 246000 216977000 230000 247000 <div id="TextBlockContainer658" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:81px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27645" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">8.<div style="display:inline-block;width:37px"> </div>BORROWINGS<div style="display:inline-block;width:4px"> </div></div><div id="a27652" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">Borrowed<div style="display:inline-block;width:5px"> </div>funds<div style="display:inline-block;width:5px"> </div>consist<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>fixed<div style="display:inline-block;width:5px"> </div>rate<div style="display:inline-block;width:5px"> </div>advances<div style="display:inline-block;width:5px"> </div>from<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>FHLB.<div style="display:inline-block;width:5px"> </div>At<div style="display:inline-block;width:5px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2022<div style="display:inline-block;width:5px"> </div>FHLB<div style="display:inline-block;width:5px"> </div>advances<div style="display:inline-block;width:6px"> </div>were<div style="display:inline-block;width:5px"> </div>$</div><div id="a27652_102_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:699px;top:34px;">46.0</div><div id="a27663" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">million and at December 31, 2021 were $</div><div id="a27663_39_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:248px;top:49px;">36</div><div id="a27663_41_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:263px;top:49px;"><div style="display:inline-block;width:4px"> </div>million. </div></div><div id="TextBlockContainer660" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27688" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The following<div style="display:inline-block;width:5px"> </div>table presents<div style="display:inline-block;width:6px"> </div>the fixed<div style="display:inline-block;width:5px"> </div>interest rates<div style="display:inline-block;width:5px"> </div>and expected<div style="display:inline-block;width:6px"> </div>maturities of<div style="display:inline-block;width:5px"> </div>the FHLB<div style="display:inline-block;width:5px"> </div>advances at<div style="display:inline-block;width:5px"> </div>December 31, </div><div id="a27701" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer666" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:48px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27895" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The<div style="display:inline-block;width:6px"> </div>FHLB<div style="display:inline-block;width:6px"> </div>holds<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>blanket<div style="display:inline-block;width:6px"> </div>lien<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company's<div style="display:inline-block;width:6px"> </div>loan<div style="display:inline-block;width:6px"> </div>portfolio<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>pledged<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>collateral<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>outstanding </div><div id="a27898" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">advances, subject<div style="display:inline-block;width:6px"> </div>to eligibility<div style="display:inline-block;width:6px"> </div>under the<div style="display:inline-block;width:6px"> </div>borrowing agreement.<div style="display:inline-block;width:6px"> </div>The Company<div style="display:inline-block;width:6px"> </div>may also<div style="display:inline-block;width:6px"> </div>choose to<div style="display:inline-block;width:6px"> </div>assign cash<div style="display:inline-block;width:6px"> </div>balances </div><div id="a27901" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">held at the FHLB as additional collateral. See Note 3 “Loans”<div style="display:inline-block;width:5px"> </div>for further discussion on pledged loans.</div></div><div id="TextBlockContainer663" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:673px;height:290px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:252px;top:0px;">At December 31, 2022 </div><div id="a27707" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:16px;">Interest Rate </div><div id="a27710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:183px;top:16px;">Type of Rate </div><div id="a27713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:359px;top:16px;">Maturity Date </div><div id="a27716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:16px;">Amount </div><div id="a27718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:32px;">2.05</div><div id="a27718_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:32px;">% </div><div id="a27721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:32px;">Fixed </div><div id="a27724" style="position:absolute;font-family:'Arial';left:400px;top:32px;">March 27, 2025</div><div id="a27727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:32px;">$ </div><div id="a27729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:32px;">10,000</div><div id="a27731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:47px;">1.07</div><div id="a27731_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:47px;">% </div><div id="a27734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:47px;">Fixed </div><div id="a27737" style="position:absolute;font-family:'Arial';left:412px;top:47px;">July 18, 2025</div><div id="a27741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:48px;">6,000</div><div id="a27743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:63px;">1.04</div><div id="a27743_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:63px;">% </div><div id="a27746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:63px;">Fixed </div><div id="a27749" style="position:absolute;font-family:'Arial';left:412px;top:63px;">July 30, 2024</div><div id="a27753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:64px;">5,000</div><div id="a27755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:79px;">0.81</div><div id="a27755_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:79px;">% </div><div id="a27758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:79px;">Fixed </div><div id="a27761" style="position:absolute;font-family:'Arial';left:396px;top:79px;">August 17, 2023</div><div id="a27765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:80px;">5,000</div><div id="a27767" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:95px;">4.17</div><div id="a27767_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:95px;">% </div><div id="a27770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:95px;">Fixed </div><div id="a27773" style="position:absolute;font-family:'Arial';left:391px;top:95px;">January 13, 2023</div><div id="a27777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:96px;">20,000</div><div id="a27785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:113px;">$ </div><div id="a27787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:113px;">46,000</div><div id="a27797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:252px;top:146px;">At December 31, 2021 </div><div id="a27799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:162px;">Interest Rate </div><div id="a27802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:183px;top:162px;">Type of Rate </div><div id="a27805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:359px;top:162px;">Maturity Date </div><div id="a27808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:162px;">Amount </div><div id="a27810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:177px;">0.81</div><div id="a27810_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:177px;">% </div><div id="a27813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:177px;">Fixed </div><div id="a27816" style="position:absolute;font-family:'Arial';left:396px;top:177px;">August 17, 2023</div><div id="a27819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:178px;">$ </div><div id="a27821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:178px;">5,000</div><div id="a27823" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:193px;">1.04</div><div id="a27823_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:193px;">% </div><div id="a27826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:193px;">Fixed </div><div id="a27829" style="position:absolute;font-family:'Arial';left:412px;top:193px;">July 30, 2024</div><div id="a27833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:194px;">5,000</div><div id="a27835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:209px;">2.05</div><div id="a27835_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:209px;">% </div><div id="a27838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:209px;">Fixed </div><div id="a27841" style="position:absolute;font-family:'Arial';left:400px;top:209px;">March 27, 2025</div><div id="a27845" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:210px;">10,000</div><div id="a27847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:225px;">1.91</div><div id="a27847_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:225px;">% </div><div id="a27850" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:225px;">Fixed </div><div id="a27853" style="position:absolute;font-family:'Arial';left:400px;top:225px;">March 28, 2025</div><div id="a27857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:226px;">5,000</div><div id="a27859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:241px;">1.81</div><div id="a27859_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:241px;">% </div><div id="a27862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:241px;">Fixed </div><div id="a27865" style="position:absolute;font-family:'Arial';left:409px;top:241px;">April 17, 2025</div><div id="a27869" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:242px;">5,000</div><div id="a27871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:257px;">1.07</div><div id="a27871_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:257px;">% </div><div id="a27874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:257px;">Fixed </div><div id="a27877" style="position:absolute;font-family:'Arial';left:412px;top:257px;">July 18, 2025</div><div id="a27882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:258px;">6,000</div><div id="a27890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:275px;">$ </div><div id="a27892" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:275px;">36,000</div></div> 46000000.0 36000000 <div id="TextBlockContainer664" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:673px;height:290px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_662_XBRL_TS_21381166fd60438f95847647bc7a0620" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer663" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:673px;height:290px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27705" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:252px;top:0px;">At December 31, 2022 </div><div id="a27707" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:16px;">Interest Rate </div><div id="a27710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:183px;top:16px;">Type of Rate </div><div id="a27713" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:359px;top:16px;">Maturity Date </div><div id="a27716" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:16px;">Amount </div><div id="a27718" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:32px;">2.05</div><div id="a27718_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:32px;">% </div><div id="a27721" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:32px;">Fixed </div><div id="a27724" style="position:absolute;font-family:'Arial';left:400px;top:32px;">March 27, 2025</div><div id="a27727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:32px;">$ </div><div id="a27729" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:32px;">10,000</div><div id="a27731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:47px;">1.07</div><div id="a27731_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:47px;">% </div><div id="a27734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:47px;">Fixed </div><div id="a27737" style="position:absolute;font-family:'Arial';left:412px;top:47px;">July 18, 2025</div><div id="a27741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:48px;">6,000</div><div id="a27743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:63px;">1.04</div><div id="a27743_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:63px;">% </div><div id="a27746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:63px;">Fixed </div><div id="a27749" style="position:absolute;font-family:'Arial';left:412px;top:63px;">July 30, 2024</div><div id="a27753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:64px;">5,000</div><div id="a27755" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:79px;">0.81</div><div id="a27755_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:79px;">% </div><div id="a27758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:79px;">Fixed </div><div id="a27761" style="position:absolute;font-family:'Arial';left:396px;top:79px;">August 17, 2023</div><div id="a27765" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:80px;">5,000</div><div id="a27767" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:95px;">4.17</div><div id="a27767_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:95px;">% </div><div id="a27770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:95px;">Fixed </div><div id="a27773" style="position:absolute;font-family:'Arial';left:391px;top:95px;">January 13, 2023</div><div id="a27777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:96px;">20,000</div><div id="a27785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:113px;">$ </div><div id="a27787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:113px;">46,000</div><div id="a27797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:252px;top:146px;">At December 31, 2021 </div><div id="a27799" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:162px;">Interest Rate </div><div id="a27802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:183px;top:162px;">Type of Rate </div><div id="a27805" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:359px;top:162px;">Maturity Date </div><div id="a27808" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:559px;top:162px;">Amount </div><div id="a27810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:177px;">0.81</div><div id="a27810_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:177px;">% </div><div id="a27813" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:177px;">Fixed </div><div id="a27816" style="position:absolute;font-family:'Arial';left:396px;top:177px;">August 17, 2023</div><div id="a27819" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:178px;">$ </div><div id="a27821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:178px;">5,000</div><div id="a27823" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:193px;">1.04</div><div id="a27823_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:193px;">% </div><div id="a27826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:193px;">Fixed </div><div id="a27829" style="position:absolute;font-family:'Arial';left:412px;top:193px;">July 30, 2024</div><div id="a27833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:194px;">5,000</div><div id="a27835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:209px;">2.05</div><div id="a27835_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:209px;">% </div><div id="a27838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:209px;">Fixed </div><div id="a27841" style="position:absolute;font-family:'Arial';left:400px;top:209px;">March 27, 2025</div><div id="a27845" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:210px;">10,000</div><div id="a27847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:225px;">1.91</div><div id="a27847_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:225px;">% </div><div id="a27850" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:225px;">Fixed </div><div id="a27853" style="position:absolute;font-family:'Arial';left:400px;top:225px;">March 28, 2025</div><div id="a27857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:226px;">5,000</div><div id="a27859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:241px;">1.81</div><div id="a27859_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:241px;">% </div><div id="a27862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:241px;">Fixed </div><div id="a27865" style="position:absolute;font-family:'Arial';left:409px;top:241px;">April 17, 2025</div><div id="a27869" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:242px;">5,000</div><div id="a27871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:24px;top:257px;">1.07</div><div id="a27871_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:47px;top:257px;">% </div><div id="a27874" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:257px;">Fixed </div><div id="a27877" style="position:absolute;font-family:'Arial';left:412px;top:257px;">July 18, 2025</div><div id="a27882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:258px;">6,000</div><div id="a27890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:489px;top:275px;">$ </div><div id="a27892" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:634px;top:275px;">36,000</div></div></div></div> 0.0205 2025-03-27 10000000 0.0107 2025-07-18 6000000 0.0104 2024-07-30 5000000 0.0081 2023-08-17 5000000 0.0417 2023-01-13 20000000 46000000 0.0081 2023-08-17 5000000 0.0104 2024-07-30 5000000 0.0205 2025-03-27 10000000 0.0191 2025-03-28 5000000 0.0181 2025-04-17 5000000 0.0107 2025-07-18 6000000 36000000 <div id="TextBlockContainer668" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:480px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a27913" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">9.<div style="display:inline-block;width:37px"> </div>EQUITY BASED AND OTHER COMPENSATION<div style="display:inline-block;width:6px"> </div>PLANS<div style="display:inline-block;width:8px"> </div></div><div id="a27918" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:34px;">Employee 401(k) Plan </div><div id="a27921" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:65px;">The Company has an<div style="display:inline-block;width:2px"> </div>employee 401(k) plan (the<div style="display:inline-block;width:2px"> </div>“Plan”) covering substantially all<div style="display:inline-block;width:2px"> </div>eligible employees. The Plan includes </div><div id="a27928" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">a provision<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:5px"> </div>the employer<div style="display:inline-block;width:6px"> </div>may contribute<div style="display:inline-block;width:7px"> </div>to the<div style="display:inline-block;width:6px"> </div>accounts<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>eligible employees<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:5px"> </div>whom<div style="display:inline-block;width:5px"> </div>a salary<div style="display:inline-block;width:6px"> </div>deferral<div style="display:inline-block;width:5px"> </div>is made. </div><div id="a27929" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">There was $</div><div id="a27929_11_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:78px;top:95px;">313</div><div id="a27929_14_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:100px;top:95px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a27929_29_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:196px;top:95px;">296</div><div id="a27929_32_83" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:218px;top:95px;"><div style="display:inline-block;width:4px"> </div>thousand of Company contributions to the Plan during the years ended December 31, </div><div id="a27945" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">2022 and<div style="display:inline-block;width:6px"> </div>2021,<div style="display:inline-block;width:5px"> </div>respectively,<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>are included<div style="display:inline-block;width:6px"> </div>under<div style="display:inline-block;width:5px"> </div>salaries and<div style="display:inline-block;width:6px"> </div>employee<div style="display:inline-block;width:5px"> </div>benefits in<div style="display:inline-block;width:6px"> </div>the Consolidated<div style="display:inline-block;width:6px"> </div>Statements<div style="display:inline-block;width:5px"> </div>of </div><div id="a27959" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">Operations. </div><div id="a27964" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:157px;">Stock-Based Compensation </div><div id="a27969" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:187px;">Stock<div style="display:inline-block;width:5px"> </div>option balances,<div style="display:inline-block;width:6px"> </div>weighted average<div style="display:inline-block;width:6px"> </div>exercise<div style="display:inline-block;width:5px"> </div>price,<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>weighted average<div style="display:inline-block;width:7px"> </div>fair value<div style="display:inline-block;width:6px"> </div>of options<div style="display:inline-block;width:6px"> </div>granted<div style="display:inline-block;width:5px"> </div>for the </div><div id="a27973" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:203px;">year ended<div style="display:inline-block;width:6px"> </div>December 31,<div style="display:inline-block;width:6px"> </div>2021 were<div style="display:inline-block;width:6px"> </div>adjusted to<div style="display:inline-block;width:6px"> </div>reflect the </div><div id="a27973_58_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:369px;top:203px;-sec-ix-hidden:ID_225AAAA;">1 for 5</div><div id="a27973_65_52" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:203px;"><div style="display:inline-block;width:4px"> </div>reverse stock<div style="display:inline-block;width:6px"> </div>split on<div style="display:inline-block;width:5px"> </div>Class A<div style="display:inline-block;width:6px"> </div>common stock.<div style="display:inline-block;width:6px"> </div>Stock </div><div id="a27981" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:218px;">options are only exercisable<div style="display:inline-block;width:5px"> </div>to Class A common<div style="display:inline-block;width:5px"> </div>stock. See Note 13<div style="display:inline-block;width:5px"> </div>“Stockholders’ Equity” for<div style="display:inline-block;width:5px"> </div>further discussion on stock </div><div id="a27991" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:233px;">split. </div><div id="a27994" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:264px;">In<div style="display:inline-block;width:7px"> </div>2015,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>Company's<div style="display:inline-block;width:7px"> </div>shareholders<div style="display:inline-block;width:7px"> </div>approved<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>2015<div style="display:inline-block;width:7px"> </div>Equity<div style="display:inline-block;width:7px"> </div>Incentive<div style="display:inline-block;width:7px"> </div>Plan<div style="display:inline-block;width:7px"> </div>(the<div style="display:inline-block;width:7px"> </div>“2015<div style="display:inline-block;width:7px"> </div>Option<div style="display:inline-block;width:7px"> </div>Plan”),<div style="display:inline-block;width:7px"> </div>which </div><div id="a27997" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:279px;">authorized grants<div style="display:inline-block;width:6px"> </div>of options<div style="display:inline-block;width:6px"> </div>to purchase<div style="display:inline-block;width:6px"> </div>up to </div><div id="a27997_47_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:288px;top:279px;">2,000,000</div><div id="a27997_56_28" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:348px;top:279px;"><div style="display:inline-block;width:5px"> </div>shares of<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:5px"> </div>stock. The</div><div id="a28004" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:537px;top:279px;">2015</div><div id="a28006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:571px;top:279px;">Option<div style="display:inline-block;width:5px"> </div>Plan<div style="display:inline-block;width:5px"> </div>provided that </div><div id="a28007" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:295px;">vesting<div style="display:inline-block;width:6px"> </div>schedules<div style="display:inline-block;width:6px"> </div>will<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:6px"> </div>determined<div style="display:inline-block;width:6px"> </div>upon<div style="display:inline-block;width:6px"> </div>issuance<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>options<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Board<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>Directors<div style="display:inline-block;width:6px"> </div>or<div style="display:inline-block;width:5px"> </div>compensation<div style="display:inline-block;width:6px"> </div>committee. </div><div id="a28008" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:310px;">Options<div style="display:inline-block;width:6px"> </div>granted<div style="display:inline-block;width:6px"> </div>under<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>2015<div style="display:inline-block;width:6px"> </div>Option<div style="display:inline-block;width:6px"> </div>Plan<div style="display:inline-block;width:6px"> </div>have<div style="display:inline-block;width:6px"> </div>a </div><div id="a28008_50_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:332px;top:310px;">10</div><div id="a28008_52_65" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:347px;top:310px;">-year<div style="display:inline-block;width:6px"> </div>life,<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>no<div style="display:inline-block;width:6px"> </div>event<div style="display:inline-block;width:6px"> </div>shall<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:6px"> </div>option<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>exercisable<div style="display:inline-block;width:6px"> </div>after<div style="display:inline-block;width:6px"> </div>the </div><div id="a28013" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:325px;">expiration of </div><div id="a28013_14_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:81px;top:325px;">10</div><div id="a28013_16_55" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:96px;top:325px;"><div style="display:inline-block;width:4px"> </div>years from the grant date. The 2015 Option Plan has a </div><div id="a28013_71_2" style="position:absolute;font-family:'Arial';font-size:13.28px;left:423px;top:325px;">10</div><div id="a28013_73_53" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:325px;">-year life and will terminate in 2025. In July 2020, </div><div id="a28018" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:341px;">the<div style="display:inline-block;width:6px"> </div>shareholders<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>approved<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>amend<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>2015<div style="display:inline-block;width:6px"> </div>Option<div style="display:inline-block;width:6px"> </div>plan<div style="display:inline-block;width:6px"> </div>authorizing<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>issuance<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>an<div style="display:inline-block;width:6px"> </div>additional </div><div id="a28026" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:356px;">3,000,000</div><div id="a28026_9_59" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:64px;top:356px;"><div style="display:inline-block;width:4px"> </div>shares of common stock and extending the life of the plan </div><div id="a28026_68_1" style="position:absolute;font-family:'Arial';font-size:13.28px;left:411px;top:356px;">5</div><div id="a28026_69_53" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:418px;top:356px;"><div style="display:inline-block;width:4px"> </div>additional years, terminating in 2030. The approved </div><div id="a28033" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:371px;">shares<div style="display:inline-block;width:6px"> </div>after<div style="display:inline-block;width:6px"> </div>being<div style="display:inline-block;width:6px"> </div>adjusted<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>reflect<div style="display:inline-block;width:6px"> </div>the </div><div id="a28033_43_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:260px;top:371px;-sec-ix-hidden:ID_225AAAAA;">1 for 5</div><div id="a28033_50_29" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:302px;top:371px;"><div style="display:inline-block;width:6px"> </div>reverse<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>split<div style="display:inline-block;width:6px"> </div>totaled </div><div id="a28033_79_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:469px;top:371px;">1,000,000</div><div id="a28033_88_31" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:528px;top:371px;"><div style="display:inline-block;width:6px"> </div>shares.<div style="display:inline-block;width:6px"> </div>In<div style="display:inline-block;width:6px"> </div>December<div style="display:inline-block;width:6px"> </div>2021,<div style="display:inline-block;width:6px"> </div>the </div><div id="a28040" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:387px;">shareholders of the Company approved to amend the<div style="display:inline-block;width:2px"> </div>2015 Option plan authorizing the issuance of an<div style="display:inline-block;width:2px"> </div>additional </div><div id="a28040_109_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:666px;top:387px;">1,400,000</div><div id="a28047" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:402px;">shares of common stock. </div><div id="a28054" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:433px;">At December 31, 2022, there were </div><div id="a28054_33_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:237px;top:433px;">1,386,667</div><div id="a28054_42_72" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:296px;top:433px;"><div style="display:inline-block;width:4px"> </div>shares available for grant under the<div style="display:inline-block;width:5px"> </div>2015 Option Plan. At December<div style="display:inline-block;width:5px"> </div>31, </div><div id="a28068" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:448px;">2021, there were </div><div id="a28068_17_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:109px;top:448px;">1,401,667</div><div id="a28073" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:172px;top:448px;">shares available for grant under the 2015 Option Plan.<div style="display:inline-block;width:5px"> </div></div></div><div id="TextBlockContainer670" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:308px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28098" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The Company recognizes compensation expense based<div style="display:inline-block;width:2px"> </div>on the estimated grant date<div style="display:inline-block;width:2px"> </div>fair value method using the<div style="display:inline-block;width:2px"> </div>Black-</div><div id="a28103" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">Scholes<div style="display:inline-block;width:5px"> </div>option<div style="display:inline-block;width:5px"> </div>pricing<div style="display:inline-block;width:5px"> </div>model and<div style="display:inline-block;width:6px"> </div>accounts<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>this expense<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:5px"> </div>a prorated<div style="display:inline-block;width:6px"> </div>straight-line<div style="display:inline-block;width:5px"> </div>amortization<div style="display:inline-block;width:5px"> </div>method over<div style="display:inline-block;width:6px"> </div>the </div><div id="a28107" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">vesting<div style="display:inline-block;width:6px"> </div>period<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>option.<div style="display:inline-block;width:6px"> </div>Stock<div style="display:inline-block;width:6px"> </div>based<div style="display:inline-block;width:6px"> </div>compensation<div style="display:inline-block;width:6px"> </div>expense<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>based<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:6px"> </div>awards<div style="display:inline-block;width:6px"> </div>that<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>expects<div style="display:inline-block;width:6px"> </div>will </div><div id="a28111" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">ultimately vest,<div style="display:inline-block;width:4px"> </div>reduced by estimated forfeitures.<div style="display:inline-block;width:5px"> </div>Estimated forfeitures consider the voluntary<div style="display:inline-block;width:5px"> </div>termination trends as well as </div><div id="a28117" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">actual option forfeitures. </div><div id="a28120" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">The<div style="display:inline-block;width:6px"> </div>compensation<div style="display:inline-block;width:6px"> </div>expense<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>reported<div style="display:inline-block;width:6px"> </div>under<div style="display:inline-block;width:6px"> </div>salaries<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>employee<div style="display:inline-block;width:6px"> </div>benefits<div style="display:inline-block;width:7px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>accompanying<div style="display:inline-block;width:7px"> </div>Consolidated </div><div id="a28126" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">Statements<div style="display:inline-block;width:10px"> </div>of<div style="display:inline-block;width:10px"> </div>Operations.<div style="display:inline-block;width:10px"> </div>Compensation<div style="display:inline-block;width:10px"> </div>expense<div style="display:inline-block;width:10px"> </div>totaling<div style="display:inline-block;width:10px"> </div>$</div><div id="a28126_57_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:399px;top:107px;">523</div><div id="a28126_60_44" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:107px;"><div style="display:inline-block;width:4px"> </div>thousand<div style="display:inline-block;width:10px"> </div>was<div style="display:inline-block;width:10px"> </div>recognized<div style="display:inline-block;width:10px"> </div>for<div style="display:inline-block;width:10px"> </div>the<div style="display:inline-block;width:10px"> </div>year<div style="display:inline-block;width:10px"> </div>ended </div><div id="a28137" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">December 31, 2022<div style="display:inline-block;width:5px"> </div>and $</div><div id="a28137_23_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:161px;top:123px;">287</div><div id="a28137_26_58" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:183px;top:123px;"><div style="display:inline-block;width:4px"> </div>thousand for<div style="display:inline-block;width:5px"> </div>the year<div style="display:inline-block;width:5px"> </div>ended December<div style="display:inline-block;width:6px"> </div>31, 2021.<div style="display:inline-block;width:5px"> </div>There was </div><div id="a28137_84_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:555px;top:123px;">no</div><div id="a28137_86_29" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:570px;top:123px;"><div style="display:inline-block;width:4px"> </div>related tax<div style="display:inline-block;width:6px"> </div>benefit for<div style="display:inline-block;width:5px"> </div>the </div><div id="a28153" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">years ended December 31, 2022 and 2021. </div><div id="a28164" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:169px;">Unrecognized compensation cost<div style="display:inline-block;width:5px"> </div>remaining on stock-based<div style="display:inline-block;width:5px"> </div>compensation totaled $</div><div id="a28164_78_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:526px;top:169px;">787</div><div id="a28164_81_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:549px;top:169px;"><div style="display:inline-block;width:4px"> </div>thousand and $</div><div id="a28164_96_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:645px;top:169px;">1.3</div><div id="a28164_99_13" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:664px;top:169px;"><div style="display:inline-block;width:4px"> </div>million for </div><div id="a28171" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">the years ended December 31, 2022 and 2021, respectively<div style="display:inline-block;width:2px"> </div>. </div><div id="a28182" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:215px;">Cash<div style="display:inline-block;width:6px"> </div>flows<div style="display:inline-block;width:6px"> </div>resulting<div style="display:inline-block;width:6px"> </div>from<div style="display:inline-block;width:6px"> </div>excess<div style="display:inline-block;width:6px"> </div>tax<div style="display:inline-block;width:6px"> </div>benefits<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>required<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:6px"> </div>classified<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>part<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>cash<div style="display:inline-block;width:6px"> </div>flows<div style="display:inline-block;width:6px"> </div>from<div style="display:inline-block;width:6px"> </div>operating </div><div id="a28191" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">activities. Excess tax benefits<div style="display:inline-block;width:6px"> </div>are realized tax benefits<div style="display:inline-block;width:5px"> </div>from tax deductions for<div style="display:inline-block;width:5px"> </div>exercised options in excess<div style="display:inline-block;width:5px"> </div>of the deferred </div><div id="a28193" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">tax asset attributable to the compensation cost for such<div style="display:inline-block;width:5px"> </div>options. </div><div id="a28196" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:276px;">The fair value of options<div style="display:inline-block;width:5px"> </div>granted was determined using<div style="display:inline-block;width:5px"> </div>the following weighted-average<div style="display:inline-block;width:5px"> </div>assumptions at December<div style="display:inline-block;width:5px"> </div>31, </div><div id="a28205" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:291px;">2022:</div></div><div id="TextBlockContainer674" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:470px;height:79px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_672_XBRL_TS_10e5388489914c7b8bc5209e67dc2ab5" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer673" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:470px;height:79px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:48px;top:0px;">Assumption </div><div id="a28212" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:425px;top:0px;">2022 </div><div id="a28214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:25px;top:16px;">Risk-free interest rate </div><div id="a28219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:16px;">2.34</div><div id="a28219_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:445px;top:16px;">% </div><div id="a28221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:44px;top:31px;">Expected term </div><div id="a28224" style="position:absolute;font-family:'Arial';left:415px;top:31px;">10</div><div id="a28224_2_7" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:31px;"><div style="display:inline-block;width:3px"> </div>years </div><div id="a28226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Expected stock price volatility </div><div id="a28229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:426px;top:47px;">10</div><div id="a28229_2_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:47px;">% </div><div id="a28231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:45px;top:63px;">Dividend yield </div><div id="a28234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:430px;top:63px;">0</div><div id="a28234_1_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:437px;top:63px;">%</div></div></div></div><div id="TextBlockContainer676" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:646px;height:17px;display:inline-block;"><div id="a28237" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">The following table presents a summary of stock<div style="display:inline-block;width:5px"> </div>options for the years ended December 31, 2022 and 2021:</div></div><div id="TextBlockContainer680" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:732px;height:239px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_678_XBRL_TS_6ee54092c89045a39eba5a024f4ccd4e" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer679" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:732px;height:239px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:280px;top:28px;">Stock Options </div><div id="a28257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:384px;top:14px;">Weighted Average </div><div id="a28258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:395px;top:28px;">Exercise Price </div><div id="a28261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:500px;top:0px;">Weighted Average </div><div id="a28262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:522px;top:14px;">Remaining </div><div id="a28263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:501px;top:28px;">Contractual Years </div><div id="a28266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:614px;top:0px;">Aggregate Intrinsic </div><div id="a28267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:643px;top:14px;">Value (in </div><div id="a28268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:636px;top:28px;">thousands) </div><div id="a28270" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:43px;">Balance at January 1, 2022 </div><div id="a28272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:44px;">959,667</div><div id="a28275" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:44px;">$ </div><div id="a28277" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:44px;">10.87</div><div id="a28280" style="position:absolute;font-family:'Arial';left:587px;top:44px;">8.4</div><div id="a28285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:59px;">Granted </div><div id="a28287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:335px;top:60px;">15,000</div><div id="a28290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:60px;">$ </div><div id="a28292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:60px;">14.03</div><div id="a28299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:75px;">Exercised </div><div id="a28301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:76px;display:flex;">(9,000)</div><div id="a28304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:76px;">$ </div><div id="a28306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:76px;">11.35</div><div id="a28313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:92px;">Balance at December 31, 2022 </div><div id="a28315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:93px;">965,667</div><div id="a28318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:93px;">$ </div><div id="a28320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:93px;">10.91</div><div id="a28323" style="position:absolute;font-family:'Arial';left:587px;top:93px;">7.4</div><div id="a28338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Exercisable at December 31, 2022 </div><div id="a28340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:126px;">560,000</div><div id="a28343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:126px;">$ </div><div id="a28345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:126px;">10.18</div><div id="a28348" style="position:absolute;font-family:'Arial';left:587px;top:126px;">6.4</div><div id="a28351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:126px;">$ </div><div id="a28353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:126px;">1,131</div><div id="a28359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:142px;"><div style="display:inline-block;width:10px"> </div></div><div id="a28366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:157px;">Balance at January 1, 2021 </div><div id="a28368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:158px;">339,667</div><div id="a28371" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:158px;">$ </div><div id="a28373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:158px;">9.37</div><div id="a28376" style="position:absolute;font-family:'Arial';left:587px;top:158px;">7.1</div><div id="a28381" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:173px;">Granted </div><div id="a28383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:174px;">620,000</div><div id="a28386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:174px;">$ </div><div id="a28388" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:174px;">11.69</div><div id="a28395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:190px;">Balance at December 31, 2021 </div><div id="a28397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:191px;">959,667</div><div id="a28400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:191px;">$ </div><div id="a28402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:191px;">10.87</div><div id="a28405" style="position:absolute;font-family:'Arial';left:587px;top:191px;">8.4</div><div id="a28420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:223px;">Exercisable at December 31, 2021 </div><div id="a28422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:224px;">319,667</div><div id="a28425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:224px;">$ </div><div id="a28427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:224px;">9.07</div><div id="a28430" style="position:absolute;font-family:'Arial';left:587px;top:224px;">6.0</div><div id="a28433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:224px;">$ </div><div id="a28435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:224px;">663</div></div></div></div><div id="TextBlockContainer682" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:154px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28439" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The aggregate intrinsic value in<div style="display:inline-block;width:5px"> </div>the table above represents<div style="display:inline-block;width:5px"> </div>the total pre-tax intrinsic<div style="display:inline-block;width:5px"> </div>value (the difference between<div style="display:inline-block;width:5px"> </div>the </div><div id="a28443" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">valuation of the Company’s stock and the exercise price, multiplied by the number of<div style="display:inline-block;width:2px"> </div>options considered in-the-money) that </div><div id="a28450" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">would have been received by the option holders had all option<div style="display:inline-block;width:5px"> </div>holders exercised their options. </div><div id="a28454" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">The weighted average<div style="display:inline-block;width:5px"> </div>fair value of<div style="display:inline-block;width:5px"> </div>options granted for<div style="display:inline-block;width:5px"> </div>the years ended<div style="display:inline-block;width:5px"> </div>December 31, 2022 and<div style="display:inline-block;width:6px"> </div>2021 was $</div><div id="a28454_103_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:673px;top:61px;">3.45</div><div id="a28454_107_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:699px;top:61px;"><div style="display:inline-block;width:4px"> </div>and </div><div id="a28467" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">$</div><div id="a28467_1_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:77px;">2.32</div><div id="a28467_5_16" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:38px;top:77px;">, respectively. </div><div id="a28473" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:107px;">There were </div><div id="a28473_11_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:100px;top:107px;">no</div><div id="a28473_13_70" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:115px;top:107px;"><div style="display:inline-block;width:4px"> </div>restricted stock awards outstanding as of December<div style="display:inline-block;width:5px"> </div>31, 2021 or 2022. </div><div id="a28476" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">There are </div><div id="a28476_10_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:90px;top:138px;">no</div><div id="a28476_12_90" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:105px;top:138px;"><div style="display:inline-block;width:4px"> </div>equity compensation plans of the Company that have<div style="display:inline-block;width:5px"> </div>not been approved by the shareholders.</div></div> 313000 296000 2000000 P10Y P10Y P10Y 3000000 P5Y 1000000 1400000 1386667 1401667 523000 287000 0 0 787000 1300000 <div id="TextBlockContainer673" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:470px;height:79px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:48px;top:0px;">Assumption </div><div id="a28212" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:425px;top:0px;">2022 </div><div id="a28214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:25px;top:16px;">Risk-free interest rate </div><div id="a28219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:421px;top:16px;">2.34</div><div id="a28219_4_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:445px;top:16px;">% </div><div id="a28221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:44px;top:31px;">Expected term </div><div id="a28224" style="position:absolute;font-family:'Arial';left:415px;top:31px;">10</div><div id="a28224_2_7" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:429px;top:31px;"><div style="display:inline-block;width:3px"> </div>years </div><div id="a28226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Expected stock price volatility </div><div id="a28229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:426px;top:47px;">10</div><div id="a28229_2_2" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:440px;top:47px;">% </div><div id="a28231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:45px;top:63px;">Dividend yield </div><div id="a28234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:430px;top:63px;">0</div><div id="a28234_1_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:437px;top:63px;">%</div></div> 0.0234 P10Y 0.10 0 <div id="TextBlockContainer679" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:732px;height:239px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:280px;top:28px;">Stock Options </div><div id="a28257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:384px;top:14px;">Weighted Average </div><div id="a28258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:395px;top:28px;">Exercise Price </div><div id="a28261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:500px;top:0px;">Weighted Average </div><div id="a28262" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:522px;top:14px;">Remaining </div><div id="a28263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:501px;top:28px;">Contractual Years </div><div id="a28266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:614px;top:0px;">Aggregate Intrinsic </div><div id="a28267" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:643px;top:14px;">Value (in </div><div id="a28268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:636px;top:28px;">thousands) </div><div id="a28270" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:43px;">Balance at January 1, 2022 </div><div id="a28272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:44px;">959,667</div><div id="a28275" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:44px;">$ </div><div id="a28277" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:44px;">10.87</div><div id="a28280" style="position:absolute;font-family:'Arial';left:587px;top:44px;">8.4</div><div id="a28285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:59px;">Granted </div><div id="a28287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:335px;top:60px;">15,000</div><div id="a28290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:60px;">$ </div><div id="a28292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:60px;">14.03</div><div id="a28299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:75px;">Exercised </div><div id="a28301" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:337px;top:76px;display:flex;">(9,000)</div><div id="a28304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:76px;">$ </div><div id="a28306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:76px;">11.35</div><div id="a28313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:92px;">Balance at December 31, 2022 </div><div id="a28315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:93px;">965,667</div><div id="a28318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:93px;">$ </div><div id="a28320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:93px;">10.91</div><div id="a28323" style="position:absolute;font-family:'Arial';left:587px;top:93px;">7.4</div><div id="a28338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Exercisable at December 31, 2022 </div><div id="a28340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:126px;">560,000</div><div id="a28343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:126px;">$ </div><div id="a28345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:126px;">10.18</div><div id="a28348" style="position:absolute;font-family:'Arial';left:587px;top:126px;">6.4</div><div id="a28351" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:126px;">$ </div><div id="a28353" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:126px;">1,131</div><div id="a28359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:393px;top:142px;"><div style="display:inline-block;width:10px"> </div></div><div id="a28366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:157px;">Balance at January 1, 2021 </div><div id="a28368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:158px;">339,667</div><div id="a28371" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:158px;">$ </div><div id="a28373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:158px;">9.37</div><div id="a28376" style="position:absolute;font-family:'Arial';left:587px;top:158px;">7.1</div><div id="a28381" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:173px;">Granted </div><div id="a28383" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:174px;">620,000</div><div id="a28386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:174px;">$ </div><div id="a28388" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:174px;">11.69</div><div id="a28395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:190px;">Balance at December 31, 2021 </div><div id="a28397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:191px;">959,667</div><div id="a28400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:191px;">$ </div><div id="a28402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:458px;top:191px;">10.87</div><div id="a28405" style="position:absolute;font-family:'Arial';left:587px;top:191px;">8.4</div><div id="a28420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:223px;">Exercisable at December 31, 2021 </div><div id="a28422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:328px;top:224px;">319,667</div><div id="a28425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:381px;top:224px;">$ </div><div id="a28427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:465px;top:224px;">9.07</div><div id="a28430" style="position:absolute;font-family:'Arial';left:587px;top:224px;">6.0</div><div id="a28433" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:224px;">$ </div><div id="a28435" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:224px;">663</div></div> 959667 10.87 P8Y4M24D 15000 14.03 9000 11.35 965667 10.91 P7Y4M24D 560000 10.18 P6Y4M24D 1131000 339667 9.37 P7Y1M6D 620000 11.69 959667 10.87 P8Y4M24D 319667 9.07 P6Y 663000 3.45 2.32 0 0 0 0 <div id="TextBlockContainer684" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:220px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28501" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">10.<div style="display:inline-block;width:18px"> </div>OFF-BALANCE SHEET ARRANGEMENTS </div><div id="a28508" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business in order to </div><div id="a28515" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">meet the<div style="display:inline-block;width:5px"> </div>financial needs<div style="display:inline-block;width:5px"> </div>of its<div style="display:inline-block;width:5px"> </div>customers and<div style="display:inline-block;width:5px"> </div>to reduce its<div style="display:inline-block;width:6px"> </div>own exposure<div style="display:inline-block;width:5px"> </div>to fluctuations<div style="display:inline-block;width:5px"> </div>in interest<div style="display:inline-block;width:5px"> </div>rates. These<div style="display:inline-block;width:5px"> </div>financial </div><div id="a28518" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">instruments include<div style="display:inline-block;width:5px"> </div>unfunded commitments<div style="display:inline-block;width:6px"> </div>under lines<div style="display:inline-block;width:5px"> </div>of credit,<div style="display:inline-block;width:5px"> </div>commitments to<div style="display:inline-block;width:5px"> </div>extend credit,<div style="display:inline-block;width:5px"> </div>standby and<div style="display:inline-block;width:5px"> </div>commercial </div><div id="a28520" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">letters of<div style="display:inline-block;width:6px"> </div>credit. Those<div style="display:inline-block;width:6px"> </div>instruments<div style="display:inline-block;width:5px"> </div>involve, to<div style="display:inline-block;width:6px"> </div>varying degrees,<div style="display:inline-block;width:6px"> </div>elements of<div style="display:inline-block;width:6px"> </div>credit and<div style="display:inline-block;width:6px"> </div>interest rate<div style="display:inline-block;width:6px"> </div>risk in<div style="display:inline-block;width:6px"> </div>excess<div style="display:inline-block;width:5px"> </div>of the </div><div id="a28521" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">amount recognized in the Company’s Consolidated Balance Sheets. The Company uses<div style="display:inline-block;width:2px"> </div>the same credit policies in making </div><div id="a28532" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">commitments and conditional obligations as it does for<div style="display:inline-block;width:5px"> </div>on-balance-sheet instruments. </div><div id="a28539" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:141px;">The Company's<div style="display:inline-block;width:5px"> </div>exposure to credit<div style="display:inline-block;width:5px"> </div>loss in the<div style="display:inline-block;width:5px"> </div>event of nonperformance<div style="display:inline-block;width:6px"> </div>by the other<div style="display:inline-block;width:5px"> </div>party to the<div style="display:inline-block;width:5px"> </div>financial instruments </div><div id="a28543" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">for unused lines of credit, and standby letters of credit<div style="display:inline-block;width:5px"> </div>is represented by the contractual amount of these commitments. </div><div id="a28546" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:187px;">A<div style="display:inline-block;width:5px"> </div>summary<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>amounts<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Company's<div style="display:inline-block;width:6px"> </div>financial<div style="display:inline-block;width:6px"> </div>instruments<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>off-balance<div style="display:inline-block;width:6px"> </div>sheet<div style="display:inline-block;width:5px"> </div>risk<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:5px"> </div>shown<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>at </div><div id="a28553" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:203px;">December 31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer688" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:64px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_686_XBRL_TS_62ccf034b72344ff8c5aecc27e073276" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer687" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:64px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28561" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a28564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a28566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Commitments to grant loans and unfunded lines of credit </div><div id="a28568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:16px;">$ </div><div id="a28570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:16px;">95,461</div><div id="a28573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:16px;">$ </div><div id="a28575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:16px;">134,877</div><div id="a28577" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Standby and commercial letters of credit </div><div id="a28580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:32px;">4,320</div><div id="a28584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">6,420</div><div id="a28586" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">Total </div><div id="a28588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:49px;">$ </div><div id="a28590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:49px;">99,781</div><div id="a28593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:49px;">$ </div><div id="a28595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:49px;">141,297</div></div></div></div><div id="TextBlockContainer690" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:170px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28598" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Commitments to<div style="display:inline-block;width:5px"> </div>extend credit<div style="display:inline-block;width:5px"> </div>are agreements<div style="display:inline-block;width:6px"> </div>to lend<div style="display:inline-block;width:5px"> </div>to a<div style="display:inline-block;width:5px"> </div>customer as<div style="display:inline-block;width:5px"> </div>long as<div style="display:inline-block;width:5px"> </div>there is<div style="display:inline-block;width:5px"> </div>no violation<div style="display:inline-block;width:5px"> </div>of any<div style="display:inline-block;width:5px"> </div>condition </div><div id="a28600" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">established in the contract. Commitments generally have fixed<div style="display:inline-block;width:5px"> </div>expiration dates or other termination clauses. </div><div id="a28603" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">Unfunded lines of<div style="display:inline-block;width:5px"> </div>credit and revolving<div style="display:inline-block;width:5px"> </div>credit lines are<div style="display:inline-block;width:5px"> </div>commitments for<div style="display:inline-block;width:5px"> </div>possible future extensions<div style="display:inline-block;width:5px"> </div>of credit to<div style="display:inline-block;width:5px"> </div>existing </div><div id="a28605" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">customers. These lines of<div style="display:inline-block;width:2px"> </div>credit are uncollateralized and<div style="display:inline-block;width:2px"> </div>usually do not contain<div style="display:inline-block;width:2px"> </div>a specified maturity date<div style="display:inline-block;width:2px"> </div>and ultimately may </div><div id="a28607" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">not be drawn upon to the total extent to which the Company<div style="display:inline-block;width:5px"> </div>is committed. </div><div id="a28614" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:107px;">Standby<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>commercial<div style="display:inline-block;width:7px"> </div>letters<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:7px"> </div>credit<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:6px"> </div>conditional<div style="display:inline-block;width:7px"> </div>commitments<div style="display:inline-block;width:7px"> </div>issued<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>guarantee<div style="display:inline-block;width:7px"> </div>the </div><div id="a28618" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">performance of a<div style="display:inline-block;width:2px"> </div>customer to<div style="display:inline-block;width:2px"> </div>a third<div style="display:inline-block;width:2px"> </div>party. Those letters of<div style="display:inline-block;width:2px"> </div>credit are<div style="display:inline-block;width:2px"> </div>primarily issued to<div style="display:inline-block;width:2px"> </div>support public and<div style="display:inline-block;width:2px"> </div>private borrowing </div><div id="a28620" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">arrangements. Essentially all letters of credit have fixed maturity dates and many of them expire without being drawn upon, </div><div id="a28622" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">they do not generally present a significant liquidity risk<div style="display:inline-block;width:5px"> </div>to the Company.</div></div> <div id="TextBlockContainer687" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:64px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28561" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:525px;top:0px;">2022 </div><div id="a28564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:651px;top:0px;">2021 </div><div id="a28566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Commitments to grant loans and unfunded lines of credit </div><div id="a28568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:16px;">$ </div><div id="a28570" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:16px;">95,461</div><div id="a28573" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:16px;">$ </div><div id="a28575" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:16px;">134,877</div><div id="a28577" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Standby and commercial letters of credit </div><div id="a28580" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:32px;">4,320</div><div id="a28584" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">6,420</div><div id="a28586" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">Total </div><div id="a28588" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:477px;top:49px;">$ </div><div id="a28590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:558px;top:49px;">99,781</div><div id="a28593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:604px;top:49px;">$ </div><div id="a28595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:49px;">141,297</div></div> 95461000 134877000 4320000 6420000 99781000 141297000 <div id="TextBlockContainer692" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:234px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28627" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">11.<div style="display:inline-block;width:18px"> </div>DERIVATIVES<div style="display:inline-block;width:10px"> </div></div><div id="a28633" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">The Company utilizes interest rate swap agreements<div style="display:inline-block;width:5px"> </div>as part of its asset liability management<div style="display:inline-block;width:5px"> </div>strategy to help manage </div><div id="a28637" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">its interest<div style="display:inline-block;width:5px"> </div>rate risk<div style="display:inline-block;width:5px"> </div>position. The<div style="display:inline-block;width:5px"> </div>notional amount<div style="display:inline-block;width:5px"> </div>of the<div style="display:inline-block;width:5px"> </div>interest rate<div style="display:inline-block;width:5px"> </div>swaps do<div style="display:inline-block;width:5px"> </div>not represent<div style="display:inline-block;width:5px"> </div>amounts exchanged<div style="display:inline-block;width:6px"> </div>by the </div><div id="a28638" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">parties. The amounts exchanged are<div style="display:inline-block;width:5px"> </div>determined by reference to<div style="display:inline-block;width:5px"> </div>the notional amount and the<div style="display:inline-block;width:5px"> </div>other terms of the individual </div><div id="a28643" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">interest rate swap agreements.<div style="display:inline-block;width:4px"> </div></div><div id="a28646" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:111px;">The Company enters into interest rate swaps with its loan customers. The Company had </div><div id="a28646_85_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:111px;">15</div><div id="a28646_87_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:566px;top:111px;"><div style="display:inline-block;width:4px"> </div>and </div><div id="a28646_92_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:595px;top:111px;">18</div><div id="a28646_94_21" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:610px;top:111px;"><div style="display:inline-block;width:4px"> </div>interest rate swaps </div><div id="a28660" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">with loan customers with<div style="display:inline-block;width:2px"> </div>a notional amount of<div style="display:inline-block;width:2px"> </div>$</div><div id="a28660_47_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:281px;top:126px;">33.9</div><div id="a28660_51_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:307px;top:126px;"><div style="display:inline-block;width:4px"> </div>million and $</div><div id="a28660_65_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:385px;top:126px;">39.2</div><div id="a28660_69_54" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:411px;top:126px;"><div style="display:inline-block;width:3px"> </div>million at December 31, 2022<div style="display:inline-block;width:2px"> </div>and 2021, respectively. </div><div id="a28677" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:141px;">These interest<div style="display:inline-block;width:6px"> </div>rate swaps<div style="display:inline-block;width:6px"> </div>have a<div style="display:inline-block;width:6px"> </div>maturity date<div style="display:inline-block;width:6px"> </div>between 2025<div style="display:inline-block;width:6px"> </div>and 2051.<div style="display:inline-block;width:6px"> </div>The Company<div style="display:inline-block;width:6px"> </div>entered into<div style="display:inline-block;width:6px"> </div>corresponding<div style="display:inline-block;width:5px"> </div>and </div><div id="a28684" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">offsetting derivatives<div style="display:inline-block;width:5px"> </div>with third parties.<div style="display:inline-block;width:6px"> </div>The fair<div style="display:inline-block;width:5px"> </div>value of liability<div style="display:inline-block;width:6px"> </div>on these derivatives<div style="display:inline-block;width:6px"> </div>requires the<div style="display:inline-block;width:5px"> </div>Company to<div style="display:inline-block;width:5px"> </div>provide the </div><div id="a28691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:172px;">counterparty with funds to<div style="display:inline-block;width:2px"> </div>be held as collateral which<div style="display:inline-block;width:2px"> </div>the Company reports as<div style="display:inline-block;width:2px"> </div>other assets under the Consolidated<div style="display:inline-block;width:2px"> </div>Balance </div><div id="a28694" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:187px;">Sheets. While these derivatives represent economic<div style="display:inline-block;width:5px"> </div>hedges, it does not qualify as hedges for accounting purposes.<div style="display:inline-block;width:5px"> </div></div><div id="a28700" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:218px;">The following table reflects the Company’s customer<div style="display:inline-block;width:5px"> </div>related interest rate swaps for the dates indicated (in<div style="display:inline-block;width:5px"> </div>thousands):</div></div><div id="TextBlockContainer695" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:631px;top:0px;">Fair Value </div><div id="a28726" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:304px;top:14px;">Notional </div><div id="a28727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:305px;top:28px;">Amount </div><div id="a28730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:14px;">Collateral </div><div id="a28731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:377px;top:28px;">Amount </div><div id="a28734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:28px;">Balance Sheet Location </div><div id="a28737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:610px;top:28px;">Asset </div><div id="a28740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:671px;top:28px;">Liability </div><div id="a28742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:44px;">December 31, 2022: </div><div id="a28757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:60px;">Derivatives not designated as hedging instruments: </div><div id="a28772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:76px;">Interest rate swaps related to customer loans </div><div id="a28775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:295px;top:77px;">$ </div><div id="a28777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:77px;">33,893</div><div id="a28780" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:77px;">$ </div><div id="a28782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:400px;top:77px;">1,278</div><div id="a28785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:439px;top:76px;">Other assets/Other liabilities </div><div id="a28788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:596px;top:77px;">$ </div><div id="a28790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:77px;-sec-ix-hidden:ID_1524;">5,011</div><div id="a28793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:663px;top:77px;">$ </div><div id="a28795" style="position:absolute;font-family:'Arial';left:691px;top:77px;-sec-ix-hidden:ID_1523;">5,011</div><div id="a28797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:91px;">December 31, 2021: </div><div id="a28812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:108px;">Derivatives not designated as hedging instruments: </div><div id="a28827" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:124px;">Interest rate swaps related to customer loans </div><div id="a28829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:295px;top:125px;">$ </div><div id="a28831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:125px;">39,156</div><div id="a28834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:125px;">$ </div><div id="a28836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:400px;top:125px;">1,260</div><div id="a28839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:439px;top:124px;">Other assets/Other liabilities </div><div id="a28842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:596px;top:125px;">$ </div><div id="a28844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:125px;-sec-ix-hidden:ID_1525;">1,434</div><div id="a28847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:663px;top:125px;">$ </div><div id="a28849" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:125px;-sec-ix-hidden:ID_1522;">1,434</div></div> 15 18 33900000 39200000 <div id="TextBlockContainer696" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_694_XBRL_TS_18928bf455ae46a4857f3dd9c960ef0b" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer695" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:140px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:631px;top:0px;">Fair Value </div><div id="a28726" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:304px;top:14px;">Notional </div><div id="a28727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:305px;top:28px;">Amount </div><div id="a28730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:373px;top:14px;">Collateral </div><div id="a28731" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:377px;top:28px;">Amount </div><div id="a28734" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:447px;top:28px;">Balance Sheet Location </div><div id="a28737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:610px;top:28px;">Asset </div><div id="a28740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:671px;top:28px;">Liability </div><div id="a28742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:44px;">December 31, 2022: </div><div id="a28757" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:60px;">Derivatives not designated as hedging instruments: </div><div id="a28772" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:76px;">Interest rate swaps related to customer loans </div><div id="a28775" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:295px;top:77px;">$ </div><div id="a28777" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:77px;">33,893</div><div id="a28780" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:77px;">$ </div><div id="a28782" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:400px;top:77px;">1,278</div><div id="a28785" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:439px;top:76px;">Other assets/Other liabilities </div><div id="a28788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:596px;top:77px;">$ </div><div id="a28790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:77px;-sec-ix-hidden:ID_1524;">5,011</div><div id="a28793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:663px;top:77px;">$ </div><div id="a28795" style="position:absolute;font-family:'Arial';left:691px;top:77px;-sec-ix-hidden:ID_1523;">5,011</div><div id="a28797" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:91px;">December 31, 2021: </div><div id="a28812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:108px;">Derivatives not designated as hedging instruments: </div><div id="a28827" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:124px;">Interest rate swaps related to customer loans </div><div id="a28829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:295px;top:125px;">$ </div><div id="a28831" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:125px;">39,156</div><div id="a28834" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:367px;top:125px;">$ </div><div id="a28836" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:400px;top:125px;">1,260</div><div id="a28839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:439px;top:124px;">Other assets/Other liabilities </div><div id="a28842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:596px;top:125px;">$ </div><div id="a28844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:624px;top:125px;-sec-ix-hidden:ID_1525;">1,434</div><div id="a28847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:663px;top:125px;">$ </div><div id="a28849" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:691px;top:125px;-sec-ix-hidden:ID_1522;">1,434</div></div></div></div> 33893000 1278000 5011000 5011000 39156000 1260000 1434000 1434000 <div id="TextBlockContainer698" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:879px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a28872" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">12.<div style="display:inline-block;width:18px"> </div>FAIR VALUE<div style="display:inline-block;width:6px"> </div>MEASUREMENTS<div style="display:inline-block;width:4px"> </div></div><div id="a28878" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:34px;">Determination of Fair Value </div><div id="a28881" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:65px;">The Company<div style="display:inline-block;width:6px"> </div>uses<div style="display:inline-block;width:5px"> </div>fair value<div style="display:inline-block;width:6px"> </div>measurements<div style="display:inline-block;width:5px"> </div>to record<div style="display:inline-block;width:6px"> </div>fair-value<div style="display:inline-block;width:5px"> </div>adjustments<div style="display:inline-block;width:5px"> </div>to certain<div style="display:inline-block;width:6px"> </div>assets<div style="display:inline-block;width:5px"> </div>and liabilities<div style="display:inline-block;width:6px"> </div>and to </div><div id="a28887" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">determine fair value<div style="display:inline-block;width:5px"> </div>disclosures. In accordance<div style="display:inline-block;width:6px"> </div>with the fair<div style="display:inline-block;width:5px"> </div>value measurements accounting<div style="display:inline-block;width:5px"> </div>guidance, the fair<div style="display:inline-block;width:5px"> </div>value of a </div><div id="a28888" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction </div><div id="a28890" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">between market<div style="display:inline-block;width:6px"> </div>participants<div style="display:inline-block;width:5px"> </div>at the<div style="display:inline-block;width:6px"> </div>measurement<div style="display:inline-block;width:5px"> </div>date. Fair<div style="display:inline-block;width:6px"> </div>value is<div style="display:inline-block;width:6px"> </div>best determined<div style="display:inline-block;width:6px"> </div>based upon<div style="display:inline-block;width:6px"> </div>quoted market<div style="display:inline-block;width:6px"> </div>prices. </div><div id="a28891" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">However, in<div style="display:inline-block;width:5px"> </div>many instances, there<div style="display:inline-block;width:5px"> </div>are no quoted market<div style="display:inline-block;width:6px"> </div>prices for the Company's<div style="display:inline-block;width:6px"> </div>various financial instruments.<div style="display:inline-block;width:5px"> </div>In cases </div><div id="a28895" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:141px;">where quoted<div style="display:inline-block;width:6px"> </div>market prices<div style="display:inline-block;width:6px"> </div>are not<div style="display:inline-block;width:6px"> </div>available, fair<div style="display:inline-block;width:6px"> </div>values are<div style="display:inline-block;width:6px"> </div>based on<div style="display:inline-block;width:6px"> </div>estimates using<div style="display:inline-block;width:6px"> </div>present value<div style="display:inline-block;width:6px"> </div>or other<div style="display:inline-block;width:6px"> </div>valuation </div><div id="a28896" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates </div><div id="a28898" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:172px;">of future cash flows. Accordingly, the fair value estimates may not be realized in<div style="display:inline-block;width:2px"> </div>an immediate settlement of the instrument. </div><div id="a28901" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:203px;">The fair<div style="display:inline-block;width:2px"> </div>value guidance provides<div style="display:inline-block;width:2px"> </div>a consistent definition<div style="display:inline-block;width:2px"> </div>of fair value,<div style="display:inline-block;width:2px"> </div>which focuses on<div style="display:inline-block;width:2px"> </div>exit price in<div style="display:inline-block;width:2px"> </div>an orderly transaction </div><div id="a28905" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:218px;">(that is,<div style="display:inline-block;width:6px"> </div>not a<div style="display:inline-block;width:6px"> </div>forced<div style="display:inline-block;width:5px"> </div>liquidation<div style="display:inline-block;width:5px"> </div>or distressed<div style="display:inline-block;width:6px"> </div>sale) between<div style="display:inline-block;width:6px"> </div>market<div style="display:inline-block;width:5px"> </div>participants<div style="display:inline-block;width:5px"> </div>at the<div style="display:inline-block;width:6px"> </div>measurement<div style="display:inline-block;width:5px"> </div>date<div style="display:inline-block;width:5px"> </div>under current </div><div id="a28906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:233px;">market<div style="display:inline-block;width:5px"> </div>conditions. If<div style="display:inline-block;width:6px"> </div>there<div style="display:inline-block;width:5px"> </div>has been<div style="display:inline-block;width:6px"> </div>a significant<div style="display:inline-block;width:6px"> </div>decrease<div style="display:inline-block;width:5px"> </div>in the<div style="display:inline-block;width:6px"> </div>volume<div style="display:inline-block;width:5px"> </div>and level<div style="display:inline-block;width:6px"> </div>of activity<div style="display:inline-block;width:6px"> </div>for the<div style="display:inline-block;width:6px"> </div>asset<div style="display:inline-block;width:5px"> </div>or liability,<div style="display:inline-block;width:7px"> </div>a </div><div id="a28908" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:249px;">change in<div style="display:inline-block;width:2px"> </div>valuation technique or<div style="display:inline-block;width:1px"> </div>the use<div style="display:inline-block;width:2px"> </div>of multiple<div style="display:inline-block;width:2px"> </div>valuation techniques<div style="display:inline-block;width:2px"> </div>may be<div style="display:inline-block;width:2px"> </div>appropriate. In<div style="display:inline-block;width:2px"> </div>such instances, determining </div><div id="a28909" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:264px;">the<div style="display:inline-block;width:5px"> </div>price<div style="display:inline-block;width:5px"> </div>at<div style="display:inline-block;width:6px"> </div>which<div style="display:inline-block;width:6px"> </div>willing<div style="display:inline-block;width:6px"> </div>market<div style="display:inline-block;width:6px"> </div>participants<div style="display:inline-block;width:6px"> </div>would<div style="display:inline-block;width:5px"> </div>transact<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>measurement<div style="display:inline-block;width:6px"> </div>date<div style="display:inline-block;width:6px"> </div>under<div style="display:inline-block;width:6px"> </div>current<div style="display:inline-block;width:6px"> </div>market<div style="display:inline-block;width:6px"> </div>conditions </div><div id="a28911" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:279px;">depends on the facts<div style="display:inline-block;width:5px"> </div>and circumstances and requires<div style="display:inline-block;width:5px"> </div>the use of significant judgment.<div style="display:inline-block;width:6px"> </div>The fair value is<div style="display:inline-block;width:5px"> </div>a reasonable point </div><div id="a28912" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:295px;">within the range that is most representative of fair value under<div style="display:inline-block;width:5px"> </div>current market conditions. </div><div id="a28916" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:325px;">Fair Value Hierarchy </div><div id="a28919" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:356px;">In accordance with<div style="display:inline-block;width:5px"> </div>this guidance, the<div style="display:inline-block;width:5px"> </div>Company groups its<div style="display:inline-block;width:5px"> </div>financial assets<div style="display:inline-block;width:5px"> </div>and financial liabilities<div style="display:inline-block;width:5px"> </div>generally measured </div><div id="a28923" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:371px;">at fair<div style="display:inline-block;width:6px"> </div>value in<div style="display:inline-block;width:6px"> </div>three<div style="display:inline-block;width:5px"> </div>levels, based<div style="display:inline-block;width:6px"> </div>on the<div style="display:inline-block;width:6px"> </div>markets<div style="display:inline-block;width:5px"> </div>in which<div style="display:inline-block;width:6px"> </div>the assets<div style="display:inline-block;width:6px"> </div>and liabilities<div style="display:inline-block;width:6px"> </div>are traded,<div style="display:inline-block;width:6px"> </div>and the<div style="display:inline-block;width:6px"> </div>reliability<div style="display:inline-block;width:5px"> </div>of the </div><div id="a28925" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:387px;">assumptions used to determine fair value. </div><div id="a28929" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:417px;">Level 1</div><div id="a28930" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:99px;top:417px;"><div style="display:inline-block;width:4px"> </div>- Valuation<div style="display:inline-block;width:6px"> </div>is based<div style="display:inline-block;width:5px"> </div>on quoted<div style="display:inline-block;width:5px"> </div>prices in<div style="display:inline-block;width:5px"> </div>active markets<div style="display:inline-block;width:5px"> </div>for identical<div style="display:inline-block;width:5px"> </div>assets or<div style="display:inline-block;width:5px"> </div>liabilities that<div style="display:inline-block;width:5px"> </div>the reporting </div><div id="a28934" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:433px;">entity has<div style="display:inline-block;width:5px"> </div>the ability to<div style="display:inline-block;width:6px"> </div>access at<div style="display:inline-block;width:5px"> </div>the measurement<div style="display:inline-block;width:5px"> </div>date. Level<div style="display:inline-block;width:5px"> </div>1 assets<div style="display:inline-block;width:5px"> </div>and liabilities<div style="display:inline-block;width:5px"> </div>generally include<div style="display:inline-block;width:5px"> </div>debt and </div><div id="a28935" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:448px;">equity securities that<div style="display:inline-block;width:2px"> </div>are traded in<div style="display:inline-block;width:2px"> </div>an active exchange<div style="display:inline-block;width:2px"> </div>market. Valuations are obtained from<div style="display:inline-block;width:2px"> </div>readily available pricing </div><div id="a28937" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:463px;">sources for market transactions involving identical assets<div style="display:inline-block;width:5px"> </div>or liabilities. </div><div id="a28940" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:494px;">Level 2</div><div id="a28941" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:98px;top:494px;"><div style="display:inline-block;width:4px"> </div>- Valuation<div style="display:inline-block;width:5px"> </div>is based on inputs other<div style="display:inline-block;width:5px"> </div>than quoted prices included<div style="display:inline-block;width:5px"> </div>within Level 1 that are<div style="display:inline-block;width:5px"> </div>observable for the </div><div id="a28946" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:509px;">asset<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>liability,<div style="display:inline-block;width:6px"> </div>either<div style="display:inline-block;width:5px"> </div>directly<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>indirectly.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:5px"> </div>valuation<div style="display:inline-block;width:5px"> </div>may<div style="display:inline-block;width:5px"> </div>be<div style="display:inline-block;width:5px"> </div>based<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>quoted<div style="display:inline-block;width:5px"> </div>prices<div style="display:inline-block;width:5px"> </div>for<div style="display:inline-block;width:5px"> </div>similar<div style="display:inline-block;width:5px"> </div>assets<div style="display:inline-block;width:5px"> </div>or </div><div id="a28947" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:525px;">liabilities; quoted<div style="display:inline-block;width:5px"> </div>prices in<div style="display:inline-block;width:5px"> </div>markets that<div style="display:inline-block;width:5px"> </div>are not active;<div style="display:inline-block;width:6px"> </div>or other inputs<div style="display:inline-block;width:6px"> </div>that are observable<div style="display:inline-block;width:6px"> </div>or can be<div style="display:inline-block;width:6px"> </div>corroborated </div><div id="a28949" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:540px;">by observable market data for substantially the full term<div style="display:inline-block;width:5px"> </div>of the asset or liability. </div><div id="a28952" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:53px;top:571px;">Level 3</div><div id="a28953" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:99px;top:571px;"><div style="display:inline-block;width:4px"> </div>- Valuation<div style="display:inline-block;width:6px"> </div>is based on<div style="display:inline-block;width:5px"> </div>unobservable inputs that<div style="display:inline-block;width:6px"> </div>are supported<div style="display:inline-block;width:5px"> </div>by little or<div style="display:inline-block;width:5px"> </div>no market activity<div style="display:inline-block;width:5px"> </div>and that are </div><div id="a28957" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:586px;">significant<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>fair<div style="display:inline-block;width:5px"> </div>value<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>assets<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>liabilities.<div style="display:inline-block;width:5px"> </div>Level<div style="display:inline-block;width:5px"> </div>3<div style="display:inline-block;width:5px"> </div>assets<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>liabilities<div style="display:inline-block;width:5px"> </div>include<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:5px"> </div>instruments </div><div id="a28959" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:601px;">whose value<div style="display:inline-block;width:6px"> </div>is determined<div style="display:inline-block;width:6px"> </div>using pricing<div style="display:inline-block;width:6px"> </div>models, discounted<div style="display:inline-block;width:6px"> </div>cash<div style="display:inline-block;width:5px"> </div>flow methodologies,<div style="display:inline-block;width:6px"> </div>or similar<div style="display:inline-block;width:6px"> </div>techniques,<div style="display:inline-block;width:5px"> </div>as </div><div id="a28960" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:53px;top:617px;">well as instruments for which determination of fair value<div style="display:inline-block;width:5px"> </div>requires significant management judgment or estimation. </div><div id="a28964" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:647px;">A<div style="display:inline-block;width:5px"> </div>financial<div style="display:inline-block;width:6px"> </div>instrument's<div style="display:inline-block;width:6px"> </div>categorization<div style="display:inline-block;width:6px"> </div>within<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>valuation<div style="display:inline-block;width:6px"> </div>hierarchy<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:5px"> </div>based<div style="display:inline-block;width:6px"> </div>upon<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>lowest<div style="display:inline-block;width:6px"> </div>level<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:6px"> </div>input<div style="display:inline-block;width:5px"> </div>that<div style="display:inline-block;width:5px"> </div>is </div><div id="a28965" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:663px;">significant to the fair value measurement.</div><div id="a28968" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:693px;">Items Measured at Fair Value<div style="display:inline-block;width:5px"> </div>on a Recurring Basis </div><div id="a28971" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:29px;top:724px;">Investment securities:</div><div id="a28973" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:170px;top:724px;"><div style="display:inline-block;width:4px"> </div>When instruments are<div style="display:inline-block;width:5px"> </div>traded in secondary markets<div style="display:inline-block;width:6px"> </div>and quoted market prices<div style="display:inline-block;width:5px"> </div>do not exist for </div><div id="a28975" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:739px;">such securities,<div style="display:inline-block;width:5px"> </div>management generally<div style="display:inline-block;width:6px"> </div>relies on<div style="display:inline-block;width:5px"> </div>prices obtained<div style="display:inline-block;width:6px"> </div>from independent<div style="display:inline-block;width:6px"> </div>vendors or<div style="display:inline-block;width:5px"> </div>third-party broker<div style="display:inline-block;width:2px"> </div>-dealers. </div><div id="a28980" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:755px;">Management reviews pricing methodologies provided by the vendors and third-party broker-dealers in order to determine if </div><div id="a28986" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:770px;">observable market information is being utilized. Securities measured with pricing provided by independent vendors or<div style="display:inline-block;width:2px"> </div>third-</div><div id="a28988" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:785px;">party broker-dealers<div style="display:inline-block;width:5px"> </div>are classified<div style="display:inline-block;width:5px"> </div>within Level 2<div style="display:inline-block;width:5px"> </div>of the hierarchy<div style="display:inline-block;width:6px"> </div>and often<div style="display:inline-block;width:5px"> </div>involve using quoted<div style="display:inline-block;width:5px"> </div>market prices<div style="display:inline-block;width:5px"> </div>for similar </div><div id="a28992" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:801px;">securities, pricing models or discounted cash flow analyses<div style="display:inline-block;width:5px"> </div>utilizing inputs observable in the market where available. </div><div id="a28995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:29px;top:831px;">Derivatives:</div><div id="a28997" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:104px;top:831px;"><div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:7px"> </div>fair<div style="display:inline-block;width:7px"> </div>value<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:7px"> </div>derivatives<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>measured<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:6px"> </div>pricing<div style="display:inline-block;width:6px"> </div>provided<div style="display:inline-block;width:7px"> </div>by<div style="display:inline-block;width:6px"> </div>third-party<div style="display:inline-block;width:7px"> </div>participants<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:6px"> </div>are </div><div id="a29003" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:847px;">classified within Level 2 of the hierarchy. </div></div><div id="TextBlockContainer700" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29026" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The following table represents<div style="display:inline-block;width:2px"> </div>the Company's assets measured at<div style="display:inline-block;width:2px"> </div>fair value on a<div style="display:inline-block;width:2px"> </div>recurring basis at December 31, 2022 </div><div id="a29032" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">and 2021 for each of the fair value hierarchy levels (in thousands):</div></div><div id="TextBlockContainer706" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:308px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29539" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Items Measured at Fair Value<div style="display:inline-block;width:5px"> </div>on a Non-recurring Basis<div style="display:inline-block;width:4px"> </div></div><div id="a29544" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:29px;top:31px;">Impaired Loans: </div><div id="a29546" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:138px;top:31px;">At December<div style="display:inline-block;width:6px"> </div>31, 2022<div style="display:inline-block;width:6px"> </div>and 2021,<div style="display:inline-block;width:6px"> </div>in accordance<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:5px"> </div>provisions of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>loan impairment<div style="display:inline-block;width:6px"> </div>guidance, </div><div id="a29553" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">individual loans<div style="display:inline-block;width:6px"> </div>with a<div style="display:inline-block;width:5px"> </div>carrying amount<div style="display:inline-block;width:6px"> </div>of approximately<div style="display:inline-block;width:6px"> </div>$</div><div id="a29553_58_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:354px;top:46px;">3.9</div><div id="a29553_61_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:372px;top:46px;"><div style="display:inline-block;width:4px"> </div>million and<div style="display:inline-block;width:6px"> </div>$</div><div id="a29553_75_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:46px;">4.4</div><div id="a29553_78_45" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:471px;top:46px;"><div style="display:inline-block;width:4px"> </div>million, respectively,<div style="display:inline-block;width:7px"> </div>were written<div style="display:inline-block;width:6px"> </div>down to </div><div id="a29566" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">their<div style="display:inline-block;width:9px"> </div>fair<div style="display:inline-block;width:9px"> </div>value<div style="display:inline-block;width:9px"> </div>of<div style="display:inline-block;width:9px"> </div>approximately<div style="display:inline-block;width:9px"> </div>$</div><div id="a29566_35_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:226px;top:61px;">3.6</div><div id="a29566_38_14" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:61px;"><div style="display:inline-block;width:4px"> </div>million<div style="display:inline-block;width:9px"> </div>and<div style="display:inline-block;width:9px"> </div>$</div><div id="a29566_52_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:333px;top:61px;">4.0</div><div id="a29566_55_61" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:352px;top:61px;"><div style="display:inline-block;width:4px"> </div>million,<div style="display:inline-block;width:9px"> </div>respectively,<div style="display:inline-block;width:10px"> </div>resulting<div style="display:inline-block;width:9px"> </div>in<div style="display:inline-block;width:9px"> </div>an<div style="display:inline-block;width:9px"> </div>impairment<div style="display:inline-block;width:9px"> </div>charge<div style="display:inline-block;width:9px"> </div>of </div><div id="a29576" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">$</div><div id="a29576_1_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:12px;top:77px;">294</div><div id="a29576_4_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:35px;top:77px;"><div style="display:inline-block;width:4px"> </div>thousand<div style="display:inline-block;width:5px"> </div>and $</div><div id="a29576_19_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:132px;top:77px;">360</div><div id="a29576_22_95" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:155px;top:77px;"><div style="display:inline-block;width:4px"> </div>thousand,<div style="display:inline-block;width:5px"> </div>respectively,<div style="display:inline-block;width:6px"> </div>which was<div style="display:inline-block;width:6px"> </div>included in<div style="display:inline-block;width:6px"> </div>the allowance<div style="display:inline-block;width:6px"> </div>for credit<div style="display:inline-block;width:6px"> </div>losses<div style="display:inline-block;width:5px"> </div>at December<div style="display:inline-block;width:5px"> </div>31, </div><div id="a29589" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">2022 and 2021, respectively.<div style="display:inline-block;width:6px"> </div>Loans applicable to write-downs, or<div style="display:inline-block;width:5px"> </div>impaired loans, are estimated using<div style="display:inline-block;width:5px"> </div>the present value of </div><div id="a29597" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:108px;">expected<div style="display:inline-block;width:5px"> </div>cash<div style="display:inline-block;width:5px"> </div>flows<div style="display:inline-block;width:5px"> </div>or<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>appraised<div style="display:inline-block;width:5px"> </div>value<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>underlying<div style="display:inline-block;width:5px"> </div>collateral<div style="display:inline-block;width:5px"> </div>discounted<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>necessary<div style="display:inline-block;width:5px"> </div>due<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:5px"> </div>management's </div><div id="a29599" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">estimates of changes in economic conditions are considered<div style="display:inline-block;width:5px"> </div>a Level 3 valuation. </div><div id="a29604" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:29px;top:153px;">Other Real Estate:</div><div id="a29606" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:145px;top:153px;"><div style="display:inline-block;width:4px"> </div>Other real<div style="display:inline-block;width:5px"> </div>estate owned are<div style="display:inline-block;width:6px"> </div>valued at the<div style="display:inline-block;width:6px"> </div>lesser of the<div style="display:inline-block;width:6px"> </div>third-party appraisals<div style="display:inline-block;width:5px"> </div>less management's </div><div id="a29611" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">estimate of the<div style="display:inline-block;width:2px"> </div>costs to<div style="display:inline-block;width:2px"> </div>sell or the<div style="display:inline-block;width:2px"> </div>carrying cost of<div style="display:inline-block;width:2px"> </div>the other<div style="display:inline-block;width:2px"> </div>real estate<div style="display:inline-block;width:2px"> </div>owned. Appraisals generally<div style="display:inline-block;width:2px"> </div>use the<div style="display:inline-block;width:2px"> </div>market approach </div><div id="a29613" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">valuation technique<div style="display:inline-block;width:6px"> </div>and use<div style="display:inline-block;width:5px"> </div>market observable<div style="display:inline-block;width:6px"> </div>data to<div style="display:inline-block;width:5px"> </div>formulate an<div style="display:inline-block;width:6px"> </div>opinion of<div style="display:inline-block;width:5px"> </div>the fair<div style="display:inline-block;width:5px"> </div>value of<div style="display:inline-block;width:5px"> </div>the properties.<div style="display:inline-block;width:6px"> </div>However, </div><div id="a29615" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:200px;">the appraiser<div style="display:inline-block;width:5px"> </div>uses professional<div style="display:inline-block;width:6px"> </div>judgment in<div style="display:inline-block;width:5px"> </div>determining the<div style="display:inline-block;width:6px"> </div>fair value<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:5px"> </div>property and<div style="display:inline-block;width:5px"> </div>the Company<div style="display:inline-block;width:6px"> </div>may also<div style="display:inline-block;width:6px"> </div>adjust </div><div id="a29619" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">the value for changes in<div style="display:inline-block;width:5px"> </div>market conditions subsequent to<div style="display:inline-block;width:5px"> </div>the valuation date when<div style="display:inline-block;width:5px"> </div>current appraisals are not<div style="display:inline-block;width:5px"> </div>available. As </div><div id="a29620" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">a consequence of the carrying cost or the<div style="display:inline-block;width:2px"> </div>third-party appraisal and adjustments therein, the fair values of the properties are </div><div id="a29625" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">considered a Level 3 valuation.</div><div id="a29628" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:189px;top:245px;"><div style="display:inline-block;width:4px"> </div></div><div id="a29631" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:276px;">The following table represents the Company’s assets measured at fair value on a non-recurring basis at December<div style="display:inline-block;width:5px"> </div>31, </div><div id="a29642" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:292px;">2022 and 2021 for each of the fair value hierarchy levels<div style="display:inline-block;width:5px"> </div>(in thousands):</div></div><div id="TextBlockContainer712" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29765" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The following table presents<div style="display:inline-block;width:5px"> </div>quantified information about<div style="display:inline-block;width:5px"> </div>Level 3 fair value<div style="display:inline-block;width:5px"> </div>measurements for assets measured<div style="display:inline-block;width:5px"> </div>at fair </div><div id="a29768" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">value on a non-recurring basis at December 31, 2022 and<div style="display:inline-block;width:5px"> </div>2021 (in thousands):</div></div><div id="TextBlockContainer718" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:94px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">There were </div><div id="a29906_11_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:100px;top:0px;">no</div><div id="a29906_13_102" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:115px;top:0px;"><div style="display:inline-block;width:4px"> </div>financial liabilities measured at fair value on a non-recurring<div style="display:inline-block;width:5px"> </div>basis at December 31, 2022 and 2021. </div><div id="a29922" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:31px;">Items Not Measured at Fair Value </div><div id="a29925" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">The carrying amounts and estimated fair values of financial instruments not carried at fair value, at December 31, 2022 </div><div id="a29930" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">and 2021 are as follows (in thousands):</div></div><div id="TextBlockContainer704" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:243px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_702_XBRL_TS_142f9c4080e04f0ab19125e4248e83fc" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer703" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:243px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29043" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:349px;top:0px;">2022 </div><div id="a29046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:591px;top:0px;">2021 </div><div id="a29049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:17px;">Level 1 </div><div id="a29052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:307px;top:17px;">Level 2 </div><div id="a29055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:368px;top:17px;">Level 3 </div><div id="a29058" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:434px;top:17px;">Total </div><div id="a29061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:489px;top:17px;">Level 1 </div><div id="a29064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:549px;top:17px;">Level 2 </div><div id="a29067" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:610px;top:17px;">Level 3 </div><div id="a29070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:676px;top:17px;">Total </div><div id="a29072" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">Investment securities available for sale: </div><div id="a29097" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">U.S. Government Agency </div><div id="a29099" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:49px;">$ </div><div id="a29101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:49px;">- </div><div id="a29104" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:49px;">$ </div><div id="a29106" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:49px;">8,655</div><div id="a29109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:49px;">$ </div><div id="a29111" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:49px;">- </div><div id="a29114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:49px;">$ </div><div id="a29116" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:49px;">8,655</div><div id="a29119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:49px;">$ </div><div id="a29121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:49px;">- </div><div id="a29124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:49px;">$ </div><div id="a29126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:49px;">10,520</div><div id="a29129" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:49px;">$ </div><div id="a29131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:49px;">- </div><div id="a29134" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:49px;">$ </div><div id="a29136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:49px;">10,520</div><div id="a29138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:64px;">Collateralized mortgage obligations </div><div id="a29141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:65px;">- </div><div id="a29145" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:65px;">95,541</div><div id="a29149" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:65px;">- </div><div id="a29153" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:65px;">95,541</div><div id="a29157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:65px;">- </div><div id="a29161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:65px;">156,829</div><div id="a29165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:65px;">- </div><div id="a29169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:65px;">156,829</div><div id="a29171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Mortgage-backed securities - Residential </div><div id="a29180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:81px;">- </div><div id="a29184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:81px;">60,879</div><div id="a29188" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:81px;">- </div><div id="a29192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:81px;">60,879</div><div id="a29196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:81px;">- </div><div id="a29200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:81px;">118,842</div><div id="a29204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:81px;">- </div><div id="a29208" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:81px;">118,842</div><div id="a29210" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Mortgage-backed securities - Commercial </div><div id="a29219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:97px;">- </div><div id="a29223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:97px;">27,954</div><div id="a29227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:97px;">- </div><div id="a29231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:97px;">27,954</div><div id="a29235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:97px;">- </div><div id="a29239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:97px;">50,117</div><div id="a29243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:97px;">- </div><div id="a29247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:97px;">50,117</div><div id="a29249" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:112px;">Municipal securities </div><div id="a29252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:113px;">- </div><div id="a29256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:113px;">18,483</div><div id="a29260" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:113px;">- </div><div id="a29264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:113px;">18,483</div><div id="a29268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:113px;">- </div><div id="a29272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:113px;">24,276</div><div id="a29276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:113px;">- </div><div id="a29280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:113px;">24,276</div><div id="a29282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:128px;">Bank subordinated debt securities </div><div id="a29286" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:129px;">- </div><div id="a29290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:129px;">14,919</div><div id="a29294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:129px;">- </div><div id="a29298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:129px;">14,919</div><div id="a29302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:129px;">- </div><div id="a29306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:129px;">28,408</div><div id="a29310" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:129px;">- </div><div id="a29314" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:129px;">28,408</div><div id="a29316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:144px;">Corporate bonds </div><div id="a29319" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:145px;">- </div><div id="a29323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:145px;">3,709</div><div id="a29327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:145px;">- </div><div id="a29331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:145px;">3,709</div><div id="a29335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:145px;">- </div><div id="a29339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:145px;">12,550</div><div id="a29343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:145px;">- </div><div id="a29347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:145px;">12,550</div><div id="a29349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:160px;">Total </div><div id="a29352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:161px;">- </div><div id="a29356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:314px;top:161px;">230,140</div><div id="a29360" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:161px;">- </div><div id="a29364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:435px;top:161px;">230,140</div><div id="a29368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:161px;">- </div><div id="a29372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:161px;">401,542</div><div id="a29376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:161px;">- </div><div id="a29380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:161px;">401,542</div><div id="a29382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Derivative assets </div><div id="a29385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:177px;">- </div><div id="a29389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:177px;">5,011</div><div id="a29393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:177px;">- </div><div id="a29397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:177px;">5,011</div><div id="a29401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:177px;">- </div><div id="a29405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:177px;">1,434</div><div id="a29409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:177px;">- </div><div id="a29413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:177px;">1,434</div><div id="a29415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:192px;">Total assets at fair value </div><div id="a29417" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:194px;">$ </div><div id="a29419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:194px;">- </div><div id="a29422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:194px;">$ </div><div id="a29424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:314px;top:194px;">235,151</div><div id="a29427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:194px;">$ </div><div id="a29429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:194px;">- </div><div id="a29432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:194px;">$ </div><div id="a29434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:435px;top:194px;">235,151</div><div id="a29437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:194px;">$ </div><div id="a29439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:194px;">- </div><div id="a29442" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:194px;">$ </div><div id="a29444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:194px;">402,976</div><div id="a29447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:194px;">$ </div><div id="a29449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:194px;">- </div><div id="a29452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:194px;">$ </div><div id="a29454" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">402,976</div><div id="a29456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">Derivative liabilities </div><div id="a29458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:211px;">$ </div><div id="a29460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:211px;">- </div><div id="a29463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:211px;">$ </div><div id="a29465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:211px;">5,011</div><div id="a29468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:211px;">$ </div><div id="a29470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:211px;">- </div><div id="a29473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:211px;">$ </div><div id="a29475" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:211px;">5,011</div><div id="a29478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:211px;">$ </div><div id="a29480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:211px;">- </div><div id="a29483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:211px;">$ </div><div id="a29485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:211px;">1,434</div><div id="a29488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:211px;">$ </div><div id="a29490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:211px;">- </div><div id="a29493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:211px;">$ </div><div id="a29495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:211px;">1,434</div><div id="a29497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:226px;">Total liabilities at fair value </div><div id="a29499" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:228px;">$ </div><div id="a29501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:228px;">- </div><div id="a29504" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:228px;">$ </div><div id="a29506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:228px;">5,011</div><div id="a29509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:228px;">$ </div><div id="a29511" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:228px;">- </div><div id="a29514" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:228px;">$ </div><div id="a29516" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:228px;">5,011</div><div id="a29519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:228px;">$ </div><div id="a29521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:228px;">- </div><div id="a29524" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:228px;">$ </div><div id="a29526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:228px;">1,434</div><div id="a29529" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:228px;">$ </div><div id="a29531" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:228px;">- </div><div id="a29534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:228px;">$ </div><div id="a29536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:228px;">1,434</div></div></div></div><div id="TextBlockContainer710" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:95px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_708_XBRL_TS_26470c4bffd441bca28410fe96aa3adc" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer709" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:95px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29653" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:385px;top:0px;">Level 1 </div><div id="a29656" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:477px;top:0px;">Level 2 </div><div id="a29659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:569px;top:0px;">Level 3 </div><div id="a29662" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:0px;">Total </div><div id="a29664" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">December 31, 2022: </div><div id="a29677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Impaired loans </div><div id="a29679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:32px;">$ </div><div id="a29681" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:32px;">- </div><div id="a29684" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:32px;">$ </div><div id="a29686" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:32px;">- </div><div id="a29689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:32px;">$ </div><div id="a29691" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:32px;">3,639</div><div id="a29694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:32px;">$ </div><div id="a29696" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">3,639</div><div id="a29710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:63px;">December 31, 2021: </div><div id="a29723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:79px;">Impaired loans </div><div id="a29725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:80px;">$ </div><div id="a29727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:80px;">- </div><div id="a29730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:80px;">$ </div><div id="a29732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:80px;">- </div><div id="a29735" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:80px;">$ </div><div id="a29737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:80px;">3,990</div><div id="a29740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:80px;">$ </div><div id="a29742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:80px;">3,990</div></div></div></div><div id="TextBlockContainer715" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:722px;height:194px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:172px;top:0px;">Fair Value </div><div id="a29787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:261px;top:0px;">Valuation Technique(s) </div><div id="a29790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:506px;top:0px;">Unobservable Input(s) </div><div id="a29792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">December 31, 2022: </div><div id="a29800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Residential real estate </div><div id="a29802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:32px;">$ </div><div id="a29804" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:32px;">3,500</div><div id="a29807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:32px;">Sales comparison approach </div><div id="a29810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:32px;">Adj. for differences between comparable sales </div><div id="a29812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Commercial and industrial </div><div id="a29815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:48px;">41</div><div id="a29818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:48px;">Discounted cash flow </div><div id="a29821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:48px;">Adj. for differences in net operating income expectations </div><div id="a29823" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Other </div><div id="a29826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:64px;">98</div><div id="a29829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:64px;">Discounted cash flow </div><div id="a29833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:64px;">Adj. for differences in net operating income expectations </div><div id="a29835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>impaired loans </div><div id="a29837" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:81px;">$ </div><div id="a29839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:81px;">3,639</div><div id="a29852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:113px;">December 31, 2021: </div><div id="a29860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:129px;">Residential real estate </div><div id="a29862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:130px;">$ </div><div id="a29864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:130px;">3,807</div><div id="a29867" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:130px;">Sales comparison approach </div><div id="a29870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:130px;">Adj. for differences between comparable sales </div><div id="a29872" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:145px;">Commercial and industrial </div><div id="a29876" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:146px;">70</div><div id="a29879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:146px;">Discounted cash flow </div><div id="a29882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:146px;">Adj. for differences in net operating income expectations </div><div id="a29884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:161px;">Other </div><div id="a29887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:216px;top:162px;">113</div><div id="a29890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:162px;">Discounted cash flow </div><div id="a29893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:162px;">Adj. for differences in net operating income expectations </div><div id="a29895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:178px;">Total<div style="display:inline-block;width:5px"> </div>impaired loans </div><div id="a29897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:179px;">$ </div><div id="a29899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:179px;">3,990</div></div><div id="TextBlockContainer721" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:513px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:439px;top:0px;">Fair Value Hierarchy </div><div id="a29949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:288px;top:20px;">Carrying </div><div id="a29950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:290px;top:34px;">Amount </div><div id="a29953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:385px;top:34px;">Level 1 </div><div id="a29956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:477px;top:34px;">Level 2 </div><div id="a29959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:569px;top:34px;">Level 3 </div><div id="a29962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:652px;top:20px;">Fair Value </div><div id="a29963" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:658px;top:34px;">Amount </div><div id="a29965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:49px;">December 31, 2022: </div><div id="a29981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Financial Assets: </div><div id="a29999" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:81px;">Cash and due from banks </div><div id="a30001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:82px;">$ </div><div id="a30003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:82px;display:flex;">$6,605</div><div id="a30006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:82px;">$ </div><div id="a30008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:82px;display:flex;">$6,605</div><div id="a30011" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:82px;">$ </div><div id="a30013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:82px;">- </div><div id="a30016" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:82px;">$ </div><div id="a30018" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:82px;">- </div><div id="a30021" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:82px;">$ </div><div id="a30023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:82px;">6,605</div><div id="a30025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:97px;">Interest-bearing deposits in banks </div><div id="a30029" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:98px;">$ </div><div id="a30031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:98px;">47,563</div><div id="a30034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:98px;">$ </div><div id="a30036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:98px;">47,563</div><div id="a30039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:98px;">$ </div><div id="a30041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:98px;">- </div><div id="a30044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:98px;">$ </div><div id="a30046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:98px;">- </div><div id="a30049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:98px;">$ </div><div id="a30051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:98px;">47,563</div><div id="a30053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:113px;">Investment securities held to maturity </div><div id="a30055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:114px;">$ </div><div id="a30057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:114px;">188,699</div><div id="a30060" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:114px;">$ </div><div id="a30062" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:114px;">- </div><div id="a30065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:114px;">$ </div><div id="a30067" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:493px;top:114px;">169,088</div><div id="a30070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:114px;">$ </div><div id="a30072" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:114px;">- </div><div id="a30075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:114px;">$ </div><div id="a30077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:114px;">169,088</div><div id="a30079" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:129px;">Loans held for investment, net </div><div id="a30081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:130px;">$ </div><div id="a30083" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:299px;top:130px;">1,489,851</div><div id="a30086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:130px;">$ </div><div id="a30088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:130px;">- </div><div id="a30091" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:130px;">$ </div><div id="a30093" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:130px;">- </div><div id="a30096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:130px;">$ </div><div id="a30098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:575px;top:130px;">1,436,877</div><div id="a30101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:130px;">$ </div><div id="a30103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:130px;">1,436,877</div><div id="a30105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:145px;">Accrued interest receivable </div><div id="a30107" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:146px;">$ </div><div id="a30109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:146px;">7,546</div><div id="a30112" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:146px;">$ </div><div id="a30114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:146px;">- </div><div id="a30117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:146px;">$ </div><div id="a30119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:146px;">1,183</div><div id="a30122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:146px;">$ </div><div id="a30124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:146px;">6,363</div><div id="a30127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:146px;">$ </div><div id="a30129" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:146px;">7,546</div><div id="a30131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:161px;">Financial Liabilities: </div><div id="a30147" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:177px;">Demand Deposits </div><div id="a30149" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:178px;">$ </div><div id="a30151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:302px;top:178px;display:flex;">$629,776</div><div id="a30154" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:178px;">$ </div><div id="a30156" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:394px;top:178px;display:flex;">$629,776</div><div id="a30159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:178px;">$ </div><div id="a30161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:178px;">- </div><div id="a30164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:178px;">$ </div><div id="a30166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:178px;">- </div><div id="a30169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:178px;">$ </div><div id="a30171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:178px;">629,776</div><div id="a30173" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:193px;">Money market and savings accounts </div><div id="a30175" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:194px;">$ </div><div id="a30177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:194px;">915,853</div><div id="a30180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:194px;">$ </div><div id="a30182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:194px;">915,853</div><div id="a30185" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:194px;">$ </div><div id="a30187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:194px;">- </div><div id="a30190" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:194px;">$ </div><div id="a30192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:194px;">- </div><div id="a30195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:194px;">$ </div><div id="a30197" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">915,853</div><div id="a30199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:209px;">Interest-bearing checking accounts </div><div id="a30204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:210px;">$ </div><div id="a30206" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:210px;">66,675</div><div id="a30209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:210px;">$ </div><div id="a30211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:210px;">66,675</div><div id="a30214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:210px;">$ </div><div id="a30216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:210px;">- </div><div id="a30219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:210px;">$ </div><div id="a30221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:210px;">- </div><div id="a30224" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:210px;">$ </div><div id="a30226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:210px;">66,675</div><div id="a30228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:225px;">Time deposits </div><div id="a30230" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:226px;">$ </div><div id="a30232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:226px;">216,977</div><div id="a30235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:226px;">$ </div><div id="a30237" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:226px;">- </div><div id="a30240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:226px;">$ </div><div id="a30242" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:226px;">- </div><div id="a30245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:226px;">$ </div><div id="a30247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:585px;top:226px;">211,406</div><div id="a30250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:226px;">$ </div><div id="a30252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:226px;">211,406</div><div id="a30254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">FHLB advances </div><div id="a30256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:242px;">$ </div><div id="a30258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:242px;">46,000</div><div id="a30261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:242px;">$ </div><div id="a30263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:242px;">- </div><div id="a30266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:242px;">$ </div><div id="a30268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:242px;">44,547</div><div id="a30271" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:242px;">$ </div><div id="a30273" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:242px;">- </div><div id="a30276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:242px;">$ </div><div id="a30278" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:242px;">44,547</div><div id="a30280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:257px;">Accrued interest payable </div><div id="a30282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:258px;">$ </div><div id="a30284" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:333px;top:258px;">229</div><div id="a30287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:258px;">$ </div><div id="a30289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:258px;">- </div><div id="a30292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:258px;">$ </div><div id="a30294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:258px;">92</div><div id="a30297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:258px;">$ </div><div id="a30299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:258px;">137</div><div id="a30302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:258px;">$ </div><div id="a30304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:258px;">229</div><div id="a30321" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:289px;">December 31, 2021: </div><div id="a30337" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:305px;">Financial Assets: </div><div id="a30354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:321px;">Cash and due from banks </div><div id="a30357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:322px;">$ </div><div id="a30359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:322px;">6,477</div><div id="a30362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:322px;">$ </div><div id="a30364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:322px;">6,477</div><div id="a30367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:322px;">$ </div><div id="a30369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:322px;">- </div><div id="a30372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:322px;">$ </div><div id="a30374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:322px;">- </div><div id="a30377" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:322px;">$ </div><div id="a30379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:322px;">6,477</div><div id="a30381" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:337px;">Interest-bearing deposits in banks </div><div id="a30385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:338px;">$ </div><div id="a30387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:338px;">39,751</div><div id="a30390" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:338px;">$ </div><div id="a30392" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:338px;">39,751</div><div id="a30395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:338px;">$ </div><div id="a30397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:338px;">- </div><div id="a30400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:338px;">$ </div><div id="a30402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:338px;">- </div><div id="a30405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:338px;">$ </div><div id="a30407" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:338px;">39,751</div><div id="a30409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:353px;">Investment securities held to maturity </div><div id="a30412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:354px;">122,658</div><div id="a30415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:354px;">$ </div><div id="a30417" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:354px;">- </div><div id="a30420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:354px;">$ </div><div id="a30422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:493px;top:354px;">120,157</div><div id="a30425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:354px;">$ </div><div id="a30427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:354px;">- </div><div id="a30430" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:354px;">$ </div><div id="a30432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:354px;">120,157</div><div id="a30434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:369px;">Loans held for investment, net </div><div id="a30436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:370px;">$ </div><div id="a30438" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:299px;top:370px;">1,175,024</div><div id="a30441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:370px;">$ </div><div id="a30443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:370px;">- </div><div id="a30446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:370px;">$ </div><div id="a30448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:370px;">- </div><div id="a30451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:370px;">$ </div><div id="a30453" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:575px;top:370px;">1,189,191</div><div id="a30456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:370px;">$ </div><div id="a30458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:370px;">1,189,191</div><div id="a30460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:385px;">Accrued interest receivable </div><div id="a30463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:386px;">$ </div><div id="a30465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:386px;">5,975</div><div id="a30468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:386px;">$ </div><div id="a30470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:386px;">- </div><div id="a30473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:386px;">$ </div><div id="a30475" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:386px;">1,222</div><div id="a30478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:386px;">$ </div><div id="a30480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:386px;">4,753</div><div id="a30483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:386px;">$ </div><div id="a30485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:386px;">5,975</div><div id="a30487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:401px;">Financial Liabilities: </div><div id="a30503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:417px;">Demand Deposits </div><div id="a30505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:418px;">$ </div><div id="a30507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:418px;">605,425</div><div id="a30510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:418px;">$ </div><div id="a30512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:418px;">605,425</div><div id="a30515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:418px;">$ </div><div id="a30517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:418px;">- </div><div id="a30520" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:418px;">$ </div><div id="a30522" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:418px;">- </div><div id="a30525" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:418px;">$ </div><div id="a30527" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:418px;">605,425</div><div id="a30529" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:433px;">Money market and savings accounts </div><div id="a30531" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:434px;">$ </div><div id="a30533" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:434px;">703,856</div><div id="a30536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:434px;">$ </div><div id="a30538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:434px;">703,856</div><div id="a30541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:434px;">$ </div><div id="a30543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:434px;">- </div><div id="a30546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:434px;">$ </div><div id="a30548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:434px;">- </div><div id="a30551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:434px;">$ </div><div id="a30553" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:434px;">703,856</div><div id="a30555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:449px;">Interest-bearing checking accounts </div><div id="a30559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:450px;">$ </div><div id="a30561" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:450px;">55,878</div><div id="a30564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:450px;">$ </div><div id="a30566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:450px;">55,878</div><div id="a30569" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:450px;">$ </div><div id="a30571" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:450px;">- </div><div id="a30574" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:450px;">$ </div><div id="a30576" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:450px;">- </div><div id="a30579" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:450px;">$ </div><div id="a30581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:450px;">55,878</div><div id="a30583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:465px;">Time deposits </div><div id="a30585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:466px;">$ </div><div id="a30587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:466px;">225,220</div><div id="a30590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:466px;">$ </div><div id="a30592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:466px;">- </div><div id="a30595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:466px;">$ </div><div id="a30597" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:466px;">- </div><div id="a30600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:466px;">$ </div><div id="a30602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:585px;top:466px;">224,688</div><div id="a30605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:466px;">$ </div><div id="a30607" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:466px;">224,688</div><div id="a30609" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:481px;">FHLB advances </div><div id="a30611" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:482px;">$ </div><div id="a30613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:482px;">36,000</div><div id="a30616" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:482px;">$ </div><div id="a30618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:482px;">- </div><div id="a30621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:482px;">$ </div><div id="a30623" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:482px;">36,479</div><div id="a30626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:482px;">$ </div><div id="a30628" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:482px;">- </div><div id="a30631" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:482px;">$ </div><div id="a30633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:482px;">36,479</div><div id="a30635" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:497px;">Accrued interest payable </div><div id="a30637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:498px;">$ </div><div id="a30639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:498px;">96</div><div id="a30642" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:498px;">$ </div><div id="a30644" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:498px;">- </div><div id="a30647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:498px;">$ </div><div id="a30649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:498px;">50</div><div id="a30652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:498px;">$ </div><div id="a30654" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:615px;top:498px;">46</div><div id="a30657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:498px;">$ </div><div id="a30659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:498px;">96</div></div> <div id="TextBlockContainer703" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:243px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29043" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:349px;top:0px;">2022 </div><div id="a29046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:591px;top:0px;">2021 </div><div id="a29049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:17px;">Level 1 </div><div id="a29052" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:307px;top:17px;">Level 2 </div><div id="a29055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:368px;top:17px;">Level 3 </div><div id="a29058" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:434px;top:17px;">Total </div><div id="a29061" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:489px;top:17px;">Level 1 </div><div id="a29064" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:549px;top:17px;">Level 2 </div><div id="a29067" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:610px;top:17px;">Level 3 </div><div id="a29070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:676px;top:17px;">Total </div><div id="a29072" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:32px;">Investment securities available for sale: </div><div id="a29097" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">U.S. Government Agency </div><div id="a29099" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:49px;">$ </div><div id="a29101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:49px;">- </div><div id="a29104" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:49px;">$ </div><div id="a29106" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:49px;">8,655</div><div id="a29109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:49px;">$ </div><div id="a29111" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:49px;">- </div><div id="a29114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:49px;">$ </div><div id="a29116" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:49px;">8,655</div><div id="a29119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:49px;">$ </div><div id="a29121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:49px;">- </div><div id="a29124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:49px;">$ </div><div id="a29126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:49px;">10,520</div><div id="a29129" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:49px;">$ </div><div id="a29131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:49px;">- </div><div id="a29134" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:49px;">$ </div><div id="a29136" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:49px;">10,520</div><div id="a29138" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:64px;">Collateralized mortgage obligations </div><div id="a29141" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:65px;">- </div><div id="a29145" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:65px;">95,541</div><div id="a29149" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:65px;">- </div><div id="a29153" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:65px;">95,541</div><div id="a29157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:65px;">- </div><div id="a29161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:65px;">156,829</div><div id="a29165" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:65px;">- </div><div id="a29169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:65px;">156,829</div><div id="a29171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Mortgage-backed securities - Residential </div><div id="a29180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:81px;">- </div><div id="a29184" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:81px;">60,879</div><div id="a29188" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:81px;">- </div><div id="a29192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:81px;">60,879</div><div id="a29196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:81px;">- </div><div id="a29200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:81px;">118,842</div><div id="a29204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:81px;">- </div><div id="a29208" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:81px;">118,842</div><div id="a29210" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Mortgage-backed securities - Commercial </div><div id="a29219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:97px;">- </div><div id="a29223" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:97px;">27,954</div><div id="a29227" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:97px;">- </div><div id="a29231" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:97px;">27,954</div><div id="a29235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:97px;">- </div><div id="a29239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:97px;">50,117</div><div id="a29243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:97px;">- </div><div id="a29247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:97px;">50,117</div><div id="a29249" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:112px;">Municipal securities </div><div id="a29252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:113px;">- </div><div id="a29256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:113px;">18,483</div><div id="a29260" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:113px;">- </div><div id="a29264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:113px;">18,483</div><div id="a29268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:113px;">- </div><div id="a29272" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:113px;">24,276</div><div id="a29276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:113px;">- </div><div id="a29280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:113px;">24,276</div><div id="a29282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:128px;">Bank subordinated debt securities </div><div id="a29286" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:129px;">- </div><div id="a29290" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:321px;top:129px;">14,919</div><div id="a29294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:129px;">- </div><div id="a29298" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:129px;">14,919</div><div id="a29302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:129px;">- </div><div id="a29306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:129px;">28,408</div><div id="a29310" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:129px;">- </div><div id="a29314" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:129px;">28,408</div><div id="a29316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:144px;">Corporate bonds </div><div id="a29319" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:145px;">- </div><div id="a29323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:145px;">3,709</div><div id="a29327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:145px;">- </div><div id="a29331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:145px;">3,709</div><div id="a29335" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:145px;">- </div><div id="a29339" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:563px;top:145px;">12,550</div><div id="a29343" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:145px;">- </div><div id="a29347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:145px;">12,550</div><div id="a29349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:160px;">Total </div><div id="a29352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:161px;">- </div><div id="a29356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:314px;top:161px;">230,140</div><div id="a29360" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:161px;">- </div><div id="a29364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:435px;top:161px;">230,140</div><div id="a29368" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:161px;">- </div><div id="a29372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:161px;">401,542</div><div id="a29376" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:161px;">- </div><div id="a29380" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:161px;">401,542</div><div id="a29382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:176px;">Derivative assets </div><div id="a29385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:177px;">- </div><div id="a29389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:177px;">5,011</div><div id="a29393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:177px;">- </div><div id="a29397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:177px;">5,011</div><div id="a29401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:177px;">- </div><div id="a29405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:177px;">1,434</div><div id="a29409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:177px;">- </div><div id="a29413" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:177px;">1,434</div><div id="a29415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:192px;">Total assets at fair value </div><div id="a29417" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:194px;">$ </div><div id="a29419" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:194px;">- </div><div id="a29422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:194px;">$ </div><div id="a29424" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:314px;top:194px;">235,151</div><div id="a29427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:194px;">$ </div><div id="a29429" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:194px;">- </div><div id="a29432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:194px;">$ </div><div id="a29434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:435px;top:194px;">235,151</div><div id="a29437" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:194px;">$ </div><div id="a29439" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:194px;">- </div><div id="a29442" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:194px;">$ </div><div id="a29444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:556px;top:194px;">402,976</div><div id="a29447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:194px;">$ </div><div id="a29449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:194px;">- </div><div id="a29452" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:194px;">$ </div><div id="a29454" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">402,976</div><div id="a29456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:211px;">Derivative liabilities </div><div id="a29458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:211px;">$ </div><div id="a29460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:211px;">- </div><div id="a29463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:211px;">$ </div><div id="a29465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:211px;">5,011</div><div id="a29468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:211px;">$ </div><div id="a29470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:211px;">- </div><div id="a29473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:211px;">$ </div><div id="a29475" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:211px;">5,011</div><div id="a29478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:211px;">$ </div><div id="a29480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:211px;">- </div><div id="a29483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:211px;">$ </div><div id="a29485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:211px;">1,434</div><div id="a29488" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:211px;">$ </div><div id="a29490" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:211px;">- </div><div id="a29493" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:211px;">$ </div><div id="a29495" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:211px;">1,434</div><div id="a29497" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:226px;">Total liabilities at fair value </div><div id="a29499" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:228px;">$ </div><div id="a29501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:284px;top:228px;">- </div><div id="a29504" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:293px;top:228px;">$ </div><div id="a29506" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:327px;top:228px;">5,011</div><div id="a29509" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:364px;top:228px;">$ </div><div id="a29511" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:405px;top:228px;">- </div><div id="a29514" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:228px;">$ </div><div id="a29516" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:449px;top:228px;">5,011</div><div id="a29519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:485px;top:228px;">$ </div><div id="a29521" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:525px;top:228px;">- </div><div id="a29524" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:536px;top:228px;">$ </div><div id="a29526" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:569px;top:228px;">1,434</div><div id="a29529" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:606px;top:228px;">$ </div><div id="a29531" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:646px;top:228px;">- </div><div id="a29534" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:657px;top:228px;">$ </div><div id="a29536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:228px;">1,434</div></div> 8655000 8655000 10520000 10520000 95541000 95541000 156829000 156829000 60879000 60879000 118842000 118842000 27954000 27954000 50117000 50117000 18483000 18483000 24276000 24276000 14919000 14919000 28408000 28408000 3709000 3709000 12550000 12550000 230140000 230140000 401542000 401542000 5011000 5011000 1434000 1434000 235151000 235151000 402976000 402976000 5011000 5011000 1434000 1434000 5011000 5011000 1434000 1434000 3900000 4400000 3600000 4000000.0 294000 360000 <div id="TextBlockContainer709" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:95px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29653" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:385px;top:0px;">Level 1 </div><div id="a29656" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:477px;top:0px;">Level 2 </div><div id="a29659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:569px;top:0px;">Level 3 </div><div id="a29662" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:667px;top:0px;">Total </div><div id="a29664" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">December 31, 2022: </div><div id="a29677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Impaired loans </div><div id="a29679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:32px;">$ </div><div id="a29681" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:32px;">- </div><div id="a29684" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:32px;">$ </div><div id="a29686" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:32px;">- </div><div id="a29689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:32px;">$ </div><div id="a29691" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:32px;">3,639</div><div id="a29694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:32px;">$ </div><div id="a29696" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">3,639</div><div id="a29710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:63px;">December 31, 2021: </div><div id="a29723" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:79px;">Impaired loans </div><div id="a29725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:80px;">$ </div><div id="a29727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:80px;">- </div><div id="a29730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:80px;">$ </div><div id="a29732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:80px;">- </div><div id="a29735" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:80px;">$ </div><div id="a29737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:80px;">3,990</div><div id="a29740" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:80px;">$ </div><div id="a29742" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:80px;">3,990</div></div> 3639000 3639000 3990000 3990000 <div id="TextBlockContainer716" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:722px;height:194px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_714_XBRL_TS_ba46dd80fcec4614b90d85ce1b263635" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer715" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:722px;height:194px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29784" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:172px;top:0px;">Fair Value </div><div id="a29787" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:261px;top:0px;">Valuation Technique(s) </div><div id="a29790" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:506px;top:0px;">Unobservable Input(s) </div><div id="a29792" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">December 31, 2022: </div><div id="a29800" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Residential real estate </div><div id="a29802" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:32px;">$ </div><div id="a29804" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:32px;">3,500</div><div id="a29807" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:32px;">Sales comparison approach </div><div id="a29810" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:32px;">Adj. for differences between comparable sales </div><div id="a29812" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Commercial and industrial </div><div id="a29815" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:48px;">41</div><div id="a29818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:48px;">Discounted cash flow </div><div id="a29821" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:48px;">Adj. for differences in net operating income expectations </div><div id="a29823" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:63px;">Other </div><div id="a29826" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:64px;">98</div><div id="a29829" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:64px;">Discounted cash flow </div><div id="a29833" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:64px;">Adj. for differences in net operating income expectations </div><div id="a29835" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>impaired loans </div><div id="a29837" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:81px;">$ </div><div id="a29839" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:81px;">3,639</div><div id="a29852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:113px;">December 31, 2021: </div><div id="a29860" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:129px;">Residential real estate </div><div id="a29862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:130px;">$ </div><div id="a29864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:130px;">3,807</div><div id="a29867" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:130px;">Sales comparison approach </div><div id="a29870" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:130px;">Adj. for differences between comparable sales </div><div id="a29872" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:145px;">Commercial and industrial </div><div id="a29876" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:222px;top:146px;">70</div><div id="a29879" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:146px;">Discounted cash flow </div><div id="a29882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:146px;">Adj. for differences in net operating income expectations </div><div id="a29884" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:161px;">Other </div><div id="a29887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:216px;top:162px;">113</div><div id="a29890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:162px;">Discounted cash flow </div><div id="a29893" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:415px;top:162px;">Adj. for differences in net operating income expectations </div><div id="a29895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:178px;">Total<div style="display:inline-block;width:5px"> </div>impaired loans </div><div id="a29897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:163px;top:179px;">$ </div><div id="a29899" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:205px;top:179px;">3,990</div></div></div></div> 3500000 41000 98000 3639000 3807000 70000 113000 3990000 0 0 <div id="TextBlockContainer722" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:513px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_720_XBRL_TS_1381dbf9f02148d784d2b1ab68af98aa" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer721" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:513px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a29943" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:439px;top:0px;">Fair Value Hierarchy </div><div id="a29949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:288px;top:20px;">Carrying </div><div id="a29950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:290px;top:34px;">Amount </div><div id="a29953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:385px;top:34px;">Level 1 </div><div id="a29956" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:477px;top:34px;">Level 2 </div><div id="a29959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:569px;top:34px;">Level 3 </div><div id="a29962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:652px;top:20px;">Fair Value </div><div id="a29963" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:658px;top:34px;">Amount </div><div id="a29965" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:49px;">December 31, 2022: </div><div id="a29981" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:65px;">Financial Assets: </div><div id="a29999" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:81px;">Cash and due from banks </div><div id="a30001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:82px;">$ </div><div id="a30003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:82px;display:flex;">$6,605</div><div id="a30006" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:82px;">$ </div><div id="a30008" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:82px;display:flex;">$6,605</div><div id="a30011" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:82px;">$ </div><div id="a30013" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:82px;">- </div><div id="a30016" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:82px;">$ </div><div id="a30018" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:82px;">- </div><div id="a30021" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:82px;">$ </div><div id="a30023" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:82px;">6,605</div><div id="a30025" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:97px;">Interest-bearing deposits in banks </div><div id="a30029" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:98px;">$ </div><div id="a30031" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:98px;">47,563</div><div id="a30034" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:98px;">$ </div><div id="a30036" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:98px;">47,563</div><div id="a30039" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:98px;">$ </div><div id="a30041" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:98px;">- </div><div id="a30044" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:98px;">$ </div><div id="a30046" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:98px;">- </div><div id="a30049" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:98px;">$ </div><div id="a30051" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:98px;">47,563</div><div id="a30053" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:113px;">Investment securities held to maturity </div><div id="a30055" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:114px;">$ </div><div id="a30057" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:114px;">188,699</div><div id="a30060" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:114px;">$ </div><div id="a30062" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:114px;">- </div><div id="a30065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:114px;">$ </div><div id="a30067" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:493px;top:114px;">169,088</div><div id="a30070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:114px;">$ </div><div id="a30072" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:114px;">- </div><div id="a30075" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:114px;">$ </div><div id="a30077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:114px;">169,088</div><div id="a30079" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:129px;">Loans held for investment, net </div><div id="a30081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:130px;">$ </div><div id="a30083" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:299px;top:130px;">1,489,851</div><div id="a30086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:130px;">$ </div><div id="a30088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:130px;">- </div><div id="a30091" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:130px;">$ </div><div id="a30093" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:130px;">- </div><div id="a30096" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:130px;">$ </div><div id="a30098" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:575px;top:130px;">1,436,877</div><div id="a30101" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:130px;">$ </div><div id="a30103" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:130px;">1,436,877</div><div id="a30105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:145px;">Accrued interest receivable </div><div id="a30107" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:146px;">$ </div><div id="a30109" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:146px;">7,546</div><div id="a30112" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:146px;">$ </div><div id="a30114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:146px;">- </div><div id="a30117" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:146px;">$ </div><div id="a30119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:146px;">1,183</div><div id="a30122" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:146px;">$ </div><div id="a30124" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:146px;">6,363</div><div id="a30127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:146px;">$ </div><div id="a30129" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:146px;">7,546</div><div id="a30131" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:161px;">Financial Liabilities: </div><div id="a30147" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:177px;">Demand Deposits </div><div id="a30149" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:178px;">$ </div><div id="a30151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:302px;top:178px;display:flex;">$629,776</div><div id="a30154" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:178px;">$ </div><div id="a30156" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:394px;top:178px;display:flex;">$629,776</div><div id="a30159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:178px;">$ </div><div id="a30161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:178px;">- </div><div id="a30164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:178px;">$ </div><div id="a30166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:178px;">- </div><div id="a30169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:178px;">$ </div><div id="a30171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:178px;">629,776</div><div id="a30173" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:193px;">Money market and savings accounts </div><div id="a30175" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:194px;">$ </div><div id="a30177" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:194px;">915,853</div><div id="a30180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:194px;">$ </div><div id="a30182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:194px;">915,853</div><div id="a30185" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:194px;">$ </div><div id="a30187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:194px;">- </div><div id="a30190" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:194px;">$ </div><div id="a30192" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:194px;">- </div><div id="a30195" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:194px;">$ </div><div id="a30197" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:194px;">915,853</div><div id="a30199" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:209px;">Interest-bearing checking accounts </div><div id="a30204" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:210px;">$ </div><div id="a30206" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:210px;">66,675</div><div id="a30209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:210px;">$ </div><div id="a30211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:210px;">66,675</div><div id="a30214" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:210px;">$ </div><div id="a30216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:210px;">- </div><div id="a30219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:210px;">$ </div><div id="a30221" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:210px;">- </div><div id="a30224" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:210px;">$ </div><div id="a30226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:210px;">66,675</div><div id="a30228" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:225px;">Time deposits </div><div id="a30230" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:226px;">$ </div><div id="a30232" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:226px;">216,977</div><div id="a30235" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:226px;">$ </div><div id="a30237" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:226px;">- </div><div id="a30240" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:226px;">$ </div><div id="a30242" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:226px;">- </div><div id="a30245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:226px;">$ </div><div id="a30247" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:585px;top:226px;">211,406</div><div id="a30250" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:226px;">$ </div><div id="a30252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:226px;">211,406</div><div id="a30254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">FHLB advances </div><div id="a30256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:242px;">$ </div><div id="a30258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:242px;">46,000</div><div id="a30261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:242px;">$ </div><div id="a30263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:242px;">- </div><div id="a30266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:242px;">$ </div><div id="a30268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:242px;">44,547</div><div id="a30271" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:242px;">$ </div><div id="a30273" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:242px;">- </div><div id="a30276" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:242px;">$ </div><div id="a30278" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:242px;">44,547</div><div id="a30280" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:257px;">Accrued interest payable </div><div id="a30282" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:258px;">$ </div><div id="a30284" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:333px;top:258px;">229</div><div id="a30287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:258px;">$ </div><div id="a30289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:258px;">- </div><div id="a30292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:258px;">$ </div><div id="a30294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:258px;">92</div><div id="a30297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:258px;">$ </div><div id="a30299" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:609px;top:258px;">137</div><div id="a30302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:258px;">$ </div><div id="a30304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:258px;">229</div><div id="a30321" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:289px;">December 31, 2021: </div><div id="a30337" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:305px;">Financial Assets: </div><div id="a30354" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:321px;">Cash and due from banks </div><div id="a30357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:322px;">$ </div><div id="a30359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:322px;">6,477</div><div id="a30362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:322px;">$ </div><div id="a30364" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:414px;top:322px;">6,477</div><div id="a30367" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:322px;">$ </div><div id="a30369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:322px;">- </div><div id="a30372" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:322px;">$ </div><div id="a30374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:322px;">- </div><div id="a30377" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:322px;">$ </div><div id="a30379" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:322px;">6,477</div><div id="a30381" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:337px;">Interest-bearing deposits in banks </div><div id="a30385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:338px;">$ </div><div id="a30387" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:338px;">39,751</div><div id="a30390" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:338px;">$ </div><div id="a30392" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:338px;">39,751</div><div id="a30395" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:338px;">$ </div><div id="a30397" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:338px;">- </div><div id="a30400" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:338px;">$ </div><div id="a30402" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:338px;">- </div><div id="a30405" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:338px;">$ </div><div id="a30407" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:338px;">39,751</div><div id="a30409" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:353px;">Investment securities held to maturity </div><div id="a30412" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:354px;">122,658</div><div id="a30415" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:354px;">$ </div><div id="a30417" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:354px;">- </div><div id="a30420" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:354px;">$ </div><div id="a30422" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:493px;top:354px;">120,157</div><div id="a30425" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:354px;">$ </div><div id="a30427" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:354px;">- </div><div id="a30430" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:354px;">$ </div><div id="a30432" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:354px;">120,157</div><div id="a30434" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:369px;">Loans held for investment, net </div><div id="a30436" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:370px;">$ </div><div id="a30438" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:299px;top:370px;">1,175,024</div><div id="a30441" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:370px;">$ </div><div id="a30443" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:370px;">- </div><div id="a30446" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:370px;">$ </div><div id="a30448" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:370px;">- </div><div id="a30451" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:370px;">$ </div><div id="a30453" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:575px;top:370px;">1,189,191</div><div id="a30456" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:370px;">$ </div><div id="a30458" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:667px;top:370px;">1,189,191</div><div id="a30460" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:385px;">Accrued interest receivable </div><div id="a30463" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:386px;">$ </div><div id="a30465" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:322px;top:386px;">5,975</div><div id="a30468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:386px;">$ </div><div id="a30470" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:386px;">- </div><div id="a30473" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:386px;">$ </div><div id="a30475" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:506px;top:386px;">1,222</div><div id="a30478" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:386px;">$ </div><div id="a30480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:598px;top:386px;">4,753</div><div id="a30483" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:386px;">$ </div><div id="a30485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:386px;">5,975</div><div id="a30487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:401px;">Financial Liabilities: </div><div id="a30503" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:417px;">Demand Deposits </div><div id="a30505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:418px;">$ </div><div id="a30507" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:418px;">605,425</div><div id="a30510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:418px;">$ </div><div id="a30512" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:418px;">605,425</div><div id="a30515" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:418px;">$ </div><div id="a30517" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:418px;">- </div><div id="a30520" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:418px;">$ </div><div id="a30522" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:418px;">- </div><div id="a30525" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:418px;">$ </div><div id="a30527" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:418px;">605,425</div><div id="a30529" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:433px;">Money market and savings accounts </div><div id="a30531" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:434px;">$ </div><div id="a30533" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:434px;">703,856</div><div id="a30536" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:434px;">$ </div><div id="a30538" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:401px;top:434px;">703,856</div><div id="a30541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:434px;">$ </div><div id="a30543" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:434px;">- </div><div id="a30546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:434px;">$ </div><div id="a30548" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:434px;">- </div><div id="a30551" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:434px;">$ </div><div id="a30553" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:434px;">703,856</div><div id="a30555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:449px;">Interest-bearing checking accounts </div><div id="a30559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:450px;">$ </div><div id="a30561" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:450px;">55,878</div><div id="a30564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:450px;">$ </div><div id="a30566" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:408px;top:450px;">55,878</div><div id="a30569" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:450px;">$ </div><div id="a30571" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:450px;">- </div><div id="a30574" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:450px;">$ </div><div id="a30576" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:450px;">- </div><div id="a30579" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:450px;">$ </div><div id="a30581" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:450px;">55,878</div><div id="a30583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:465px;">Time deposits </div><div id="a30585" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:466px;">$ </div><div id="a30587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:309px;top:466px;">225,220</div><div id="a30590" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:466px;">$ </div><div id="a30592" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:466px;">- </div><div id="a30595" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:466px;">$ </div><div id="a30597" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:533px;top:466px;">- </div><div id="a30600" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:466px;">$ </div><div id="a30602" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:585px;top:466px;">224,688</div><div id="a30605" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:466px;">$ </div><div id="a30607" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:466px;">224,688</div><div id="a30609" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:481px;">FHLB advances </div><div id="a30611" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:482px;">$ </div><div id="a30613" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:316px;top:482px;">36,000</div><div id="a30616" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:482px;">$ </div><div id="a30618" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:482px;">- </div><div id="a30621" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:482px;">$ </div><div id="a30623" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:500px;top:482px;">36,479</div><div id="a30626" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:482px;">$ </div><div id="a30628" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:625px;top:482px;">- </div><div id="a30631" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:482px;">$ </div><div id="a30633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:482px;">36,479</div><div id="a30635" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:497px;">Accrued interest payable </div><div id="a30637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:269px;top:498px;">$ </div><div id="a30639" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:339px;top:498px;">96</div><div id="a30642" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:361px;top:498px;">$ </div><div id="a30644" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:441px;top:498px;">- </div><div id="a30647" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:453px;top:498px;">$ </div><div id="a30649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:523px;top:498px;">50</div><div id="a30652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:498px;">$ </div><div id="a30654" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:615px;top:498px;">46</div><div id="a30657" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:638px;top:498px;">$ </div><div id="a30659" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:498px;">96</div></div></div></div> 6605000 6605000 6605000 47563000 47563000 47563000 188699000 169088000 169088000 1489851000 1436877000 1436877000 7546000 1183000 6363000 7546000 629776000 629776000 629776000 915853000 915853000 915853000 66675000 66675000 66675000 216977000 211406000 211406000 46000000 44547000 44547000 229000 92000 137000 229000 6477000 6477000 6477000 39751000 39751000 39751000 122658000 120157000 120157000 1175024000 1189191000 1189191000 5975000 1222000 4753000 5975000 605425000 605425000 605425000 703856000 703856000 703856000 55878000 55878000 55878000 225220000 224688000 224688000 36000000 36479000 36479000 96000 50000 46000 96000 <div id="TextBlockContainer724" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:833px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a30682" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">13.<div style="display:inline-block;width:18px"> </div>STOCKHOLDERS’ EQUITY </div><div id="a30687" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:34px;">Common Stock </div><div id="a30691" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:65px;">On June 16, 2021, the Bank<div style="display:inline-block;width:6px"> </div>effected a </div><div id="a30691_38_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:262px;top:65px;-sec-ix-hidden:ID_225A;">1 for 5</div><div id="a30691_45_54" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:300px;top:65px;"><div style="display:inline-block;width:4px"> </div>reverse stock split of all<div style="display:inline-block;width:5px"> </div>the Class A common stock<div style="display:inline-block;width:5px"> </div>$</div><div id="a30691_99_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:617px;top:65px;">1.00</div><div id="a30691_103_15" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:65px;"><div style="display:inline-block;width:4px"> </div>par value per </div><div id="a30696" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">share. As of the effective date of June 16, 2021,<div style="display:inline-block;width:5px"> </div>each five shares of the Company’s<div style="display:inline-block;width:5px"> </div>Class A common stock was combined </div><div id="a30698" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">into </div><div id="a30698_5_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:95px;">one</div><div id="a30698_8_118" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:52px;top:95px;"><div style="display:inline-block;width:3px"> </div>fully paid share of<div style="display:inline-block;width:2px"> </div>Class A common<div style="display:inline-block;width:2px"> </div>stock. Any fractional<div style="display:inline-block;width:2px"> </div>shares resulting from this<div style="display:inline-block;width:2px"> </div>reverse stock split were<div style="display:inline-block;width:2px"> </div>rounded </div><div id="a30700" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">up to one whole share. The<div style="display:inline-block;width:5px"> </div>Bank has adjusted the Class<div style="display:inline-block;width:5px"> </div>A common stock, earnings per<div style="display:inline-block;width:5px"> </div>share and stock options adjusted </div><div id="a30704" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">for this </div><div id="a30704_9_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:50px;top:126px;-sec-ix-hidden:ID_225AA;">1 for 5</div><div id="a30704_16_106" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:89px;top:126px;"><div style="display:inline-block;width:4px"> </div>reverse stock<div style="display:inline-block;width:5px"> </div>split for all<div style="display:inline-block;width:5px"> </div>periods presented<div style="display:inline-block;width:5px"> </div>here. The<div style="display:inline-block;width:5px"> </div>Class B non-voting<div style="display:inline-block;width:6px"> </div>common stock<div style="display:inline-block;width:5px"> </div>was not adjusted </div><div id="a30715" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:141px;">but if<div style="display:inline-block;width:6px"> </div>sold or<div style="display:inline-block;width:6px"> </div>exchanged<div style="display:inline-block;width:5px"> </div>would be<div style="display:inline-block;width:6px"> </div>converted at<div style="display:inline-block;width:6px"> </div>the </div><div id="a30715_51_7" style="position:absolute;font-family:'Arial';font-size:13.28px;left:316px;top:141px;-sec-ix-hidden:ID_225AAA;">1 for 5</div><div id="a30715_58_51" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:355px;top:141px;"><div style="display:inline-block;width:5px"> </div>reverse stock<div style="display:inline-block;width:6px"> </div>split of<div style="display:inline-block;width:6px"> </div>5 Class<div style="display:inline-block;width:6px"> </div>B common<div style="display:inline-block;width:6px"> </div>stock for </div><div id="a30715_109_1" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:664px;top:141px;">1</div><div id="a30715_110_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:671px;top:141px;"><div style="display:inline-block;width:5px"> </div>share of </div><div id="a30716" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:157px;">Class A common stock.<div style="display:inline-block;width:4px"> </div></div><div id="a30719" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:187px;">On July 27, 2021, the Bank completed the Initial Public Offering (“IPO”) of its Class A common stock, in which it issued </div><div id="a30724" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:203px;">and<div style="display:inline-block;width:5px"> </div>sold </div><div id="a30724_9_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:62px;top:203px;">4,600,000</div><div id="a30724_18_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:122px;top:203px;"><div style="display:inline-block;width:5px"> </div>shares<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>Class<div style="display:inline-block;width:6px"> </div>A<div style="display:inline-block;width:5px"> </div>common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:5px"> </div>at<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>price<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>$</div><div id="a30724_65_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:423px;top:203px;">10.00</div><div id="a30724_70_43" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:203px;"><div style="display:inline-block;width:6px"> </div>per<div style="display:inline-block;width:5px"> </div>share.<div style="display:inline-block;width:5px"> </div>The<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>received<div style="display:inline-block;width:6px"> </div>total<div style="display:inline-block;width:5px"> </div>net </div><div id="a30725" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:218px;">proceeds of $</div><div id="a30725_13_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:86px;top:218px;">40.0</div><div id="a30725_17_62" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:111px;top:218px;"><div style="display:inline-block;width:4px"> </div>million after deducting underwriting discounts and<div style="display:inline-block;width:5px"> </div>expenses. </div><div id="a30729" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:249px;">On<div style="display:inline-block;width:7px"> </div>December<div style="display:inline-block;width:7px"> </div>21,<div style="display:inline-block;width:7px"> </div>2021,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>Company<div style="display:inline-block;width:7px"> </div>entered<div style="display:inline-block;width:7px"> </div>into<div style="display:inline-block;width:7px"> </div>agreements<div style="display:inline-block;width:7px"> </div>with<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:7px"> </div>Class<div style="display:inline-block;width:7px"> </div>B<div style="display:inline-block;width:7px"> </div>shareholders<div style="display:inline-block;width:7px"> </div>to<div style="display:inline-block;width:7px"> </div>exchange<div style="display:inline-block;width:7px"> </div>all </div><div id="a30730" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:264px;">outstanding Class<div style="display:inline-block;width:6px"> </div>B non-voting<div style="display:inline-block;width:5px"> </div>common stock<div style="display:inline-block;width:6px"> </div>for Class<div style="display:inline-block;width:6px"> </div>A voting<div style="display:inline-block;width:5px"> </div>common stock<div style="display:inline-block;width:6px"> </div>at a<div style="display:inline-block;width:5px"> </div>ratio of<div style="display:inline-block;width:5px"> </div>5 to<div style="display:inline-block;width:5px"> </div>1. On<div style="display:inline-block;width:5px"> </div>the same<div style="display:inline-block;width:5px"> </div>day,<div style="display:inline-block;width:5px"> </div>a </div><div id="a30737" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:279px;">total of </div><div id="a30737_9_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:49px;top:279px;">6,121,052</div><div id="a30737_18_50" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:108px;top:279px;"><div style="display:inline-block;width:4px"> </div>shares of Class B common stock was exchanged for </div><div id="a30737_68_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:425px;top:279px;">1,224,212</div><div id="a30737_77_34" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:484px;top:279px;"><div style="display:inline-block;width:4px"> </div>shares of Class A common stock.<div style="display:inline-block;width:5px"> </div></div><div id="a30740" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:310px;">In December 2021, the<div style="display:inline-block;width:5px"> </div>Company acquired all<div style="display:inline-block;width:5px"> </div>the issued and outstanding<div style="display:inline-block;width:6px"> </div>shares of the Class<div style="display:inline-block;width:5px"> </div>A voting common<div style="display:inline-block;width:5px"> </div>stock </div><div id="a30746" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:325px;">of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Bank,<div style="display:inline-block;width:6px"> </div>which<div style="display:inline-block;width:5px"> </div>were<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>only<div style="display:inline-block;width:5px"> </div>issued<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>outstanding<div style="display:inline-block;width:5px"> </div>shares<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Bank’s<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:5px"> </div>stock,<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:5px"> </div>share<div style="display:inline-block;width:5px"> </div>exchange<div style="display:inline-block;width:5px"> </div>(the </div><div id="a30755" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:341px;">“Reorganization”)<div style="display:inline-block;width:6px"> </div>effected<div style="display:inline-block;width:7px"> </div>under<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Florida<div style="display:inline-block;width:6px"> </div>Business<div style="display:inline-block;width:6px"> </div>Corporation<div style="display:inline-block;width:6px"> </div>Act.<div style="display:inline-block;width:6px"> </div>Each<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>outstanding<div style="display:inline-block;width:6px"> </div>shares<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Bank’s </div><div id="a30758" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:356px;">common<div style="display:inline-block;width:5px"> </div>stock, par<div style="display:inline-block;width:6px"> </div>value $</div><div id="a30758_25_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:169px;top:356px;">1.00</div><div id="a30758_29_87" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:194px;top:356px;"><div style="display:inline-block;width:5px"> </div>per share,<div style="display:inline-block;width:6px"> </div>formerly held<div style="display:inline-block;width:6px"> </div>by its<div style="display:inline-block;width:6px"> </div>shareholders<div style="display:inline-block;width:5px"> </div>was<div style="display:inline-block;width:5px"> </div>converted into<div style="display:inline-block;width:6px"> </div>and exchanged<div style="display:inline-block;width:6px"> </div>for one </div><div id="a30760" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:371px;">newly issued<div style="display:inline-block;width:6px"> </div>share of<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>Company’s<div style="display:inline-block;width:5px"> </div>common<div style="display:inline-block;width:5px"> </div>stock, par<div style="display:inline-block;width:6px"> </div>value $</div><div id="a30760_61_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:400px;top:371px;">1.00</div><div id="a30760_65_46" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:426px;top:371px;"><div style="display:inline-block;width:5px"> </div>per share,<div style="display:inline-block;width:6px"> </div>and the<div style="display:inline-block;width:6px"> </div>Bank<div style="display:inline-block;width:5px"> </div>became<div style="display:inline-block;width:5px"> </div>the Company’s </div><div id="a30761" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:387px;">wholly-owned<div style="display:inline-block;width:5px"> </div>subsidiary.<div style="display:inline-block;width:6px"> </div>Prior to<div style="display:inline-block;width:6px"> </div>completing the<div style="display:inline-block;width:6px"> </div>bank holding<div style="display:inline-block;width:6px"> </div>company formation,<div style="display:inline-block;width:6px"> </div>the Company<div style="display:inline-block;width:6px"> </div>had no<div style="display:inline-block;width:6px"> </div>material assets </div><div id="a30770" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:402px;">and had not conducted any business or operations except<div style="display:inline-block;width:5px"> </div>for activities related to our organization and the<div style="display:inline-block;width:5px"> </div>Reorganization. </div><div id="a30775" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:433px;">In the<div style="display:inline-block;width:6px"> </div>Reorganization,<div style="display:inline-block;width:5px"> </div>each<div style="display:inline-block;width:5px"> </div>shareholder<div style="display:inline-block;width:5px"> </div>of<div style="display:inline-block;width:5px"> </div>the Bank<div style="display:inline-block;width:6px"> </div>received securities<div style="display:inline-block;width:7px"> </div>of<div style="display:inline-block;width:5px"> </div>the same<div style="display:inline-block;width:7px"> </div>class,<div style="display:inline-block;width:5px"> </div>having substantially<div style="display:inline-block;width:6px"> </div>the </div><div id="a30777" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:448px;">same designations,<div style="display:inline-block;width:6px"> </div>rights,<div style="display:inline-block;width:5px"> </div>powers, preferences,<div style="display:inline-block;width:6px"> </div>qualifications,<div style="display:inline-block;width:5px"> </div>limitations<div style="display:inline-block;width:5px"> </div>and restrictions,<div style="display:inline-block;width:6px"> </div>as those<div style="display:inline-block;width:6px"> </div>that the<div style="display:inline-block;width:6px"> </div>shareholder </div><div id="a30780" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:463px;">held<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Bank,<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Company’s<div style="display:inline-block;width:7px"> </div>current<div style="display:inline-block;width:6px"> </div>shareholders<div style="display:inline-block;width:6px"> </div>own<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>same<div style="display:inline-block;width:6px"> </div>percentages<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>its<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:7px"> </div>stock<div style="display:inline-block;width:6px"> </div>as<div style="display:inline-block;width:6px"> </div>they </div><div id="a30784" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:479px;">previously owned of the Bank’s common<div style="display:inline-block;width:5px"> </div>stock. </div><div id="a30787" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:509px;">Preferred Stock </div><div id="a30790" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:540px;">On April 5, 2021,<div style="display:inline-block;width:2px"> </div>the Board authorized and<div style="display:inline-block;width:2px"> </div>approved the offer to<div style="display:inline-block;width:2px"> </div>repurchase all outstanding shares of<div style="display:inline-block;width:2px"> </div>Class E preferred </div><div id="a30795" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:555px;">stock at<div style="display:inline-block;width:6px"> </div>the liquidation<div style="display:inline-block;width:6px"> </div>value of<div style="display:inline-block;width:6px"> </div>$</div><div id="a30795_35_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:204px;top:555px;">7.5</div><div id="a30795_38_43" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:223px;top:555px;"><div style="display:inline-block;width:4px"> </div>million along<div style="display:inline-block;width:6px"> </div>with declared<div style="display:inline-block;width:6px"> </div>dividends of<div style="display:inline-block;width:6px"> </div>$</div><div id="a30795_81_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:555px;">103</div><div id="a30795_84_39" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:497px;top:555px;"><div style="display:inline-block;width:4px"> </div>thousand.<div style="display:inline-block;width:5px"> </div>All Class<div style="display:inline-block;width:6px"> </div>E preferred<div style="display:inline-block;width:6px"> </div>stock </div><div id="a30801" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:571px;">shareholders approved the repurchase which the Company<div style="display:inline-block;width:5px"> </div>completed on April 26, 2021.<div style="display:inline-block;width:5px"> </div></div><div id="a30809" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:601px;">The Company offered the<div style="display:inline-block;width:5px"> </div>Class C and Class D preferred<div style="display:inline-block;width:5px"> </div>stockholders the ability to exchange<div style="display:inline-block;width:5px"> </div>their shares for Class<div style="display:inline-block;width:5px"> </div>A </div><div id="a30814" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:617px;">common stock. The offer<div style="display:inline-block;width:6px"> </div>to exchange was voluntary and<div style="display:inline-block;width:5px"> </div>the preferred stockholders<div style="display:inline-block;width:5px"> </div>were given the option to<div style="display:inline-block;width:5px"> </div>convert </div><div id="a30814_114_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:698px;top:617px;">90</div><div id="a30814_116_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:713px;top:617px;">% </div><div id="a30821" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:632px;">of<div style="display:inline-block;width:6px"> </div>their<div style="display:inline-block;width:5px"> </div>preferred<div style="display:inline-block;width:6px"> </div>shares<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>Class<div style="display:inline-block;width:6px"> </div>A<div style="display:inline-block;width:5px"> </div>common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:5px"> </div>with<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:6px"> </div>remaining </div><div id="a30821_70_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:442px;top:632px;">10</div><div id="a30821_72_42" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:457px;top:632px;">%<div style="display:inline-block;width:5px"> </div>to<div style="display:inline-block;width:6px"> </div>be<div style="display:inline-block;width:5px"> </div>redeemed<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>form<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>cash.<div style="display:inline-block;width:5px"> </div>The </div><div id="a30825" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:647px;">exchange ratio for the shares of<div style="display:inline-block;width:5px"> </div>Class A common stock issued in the<div style="display:inline-block;width:5px"> </div>exchange transaction was based upon<div style="display:inline-block;width:5px"> </div>the IPO price </div><div id="a30828" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:663px;">for shares of Class A common stock.<div style="display:inline-block;width:5px"> </div></div><div id="a30831" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:693px;">During the<div style="display:inline-block;width:6px"> </div>year ended<div style="display:inline-block;width:6px"> </div>2021, </div><div id="a30831_28_6" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:207px;top:693px;">47,473</div><div id="a30831_34_39" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:247px;top:693px;"><div style="display:inline-block;width:5px"> </div>shares of<div style="display:inline-block;width:6px"> </div>Class C<div style="display:inline-block;width:6px"> </div>preferred stock<div style="display:inline-block;width:6px"> </div>and </div><div id="a30831_73_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:487px;top:693px;">11,061,552</div><div id="a30831_83_29" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:693px;"><div style="display:inline-block;width:5px"> </div>shares of<div style="display:inline-block;width:6px"> </div>Class D<div style="display:inline-block;width:6px"> </div>preferred </div><div id="a30840" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:709px;">stock converted<div style="display:inline-block;width:6px"> </div>into </div><div id="a30840_21_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:130px;top:709px;">10,278,072</div><div id="a30840_31_83" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:197px;top:709px;"><div style="display:inline-block;width:5px"> </div>shares of<div style="display:inline-block;width:6px"> </div>Class<div style="display:inline-block;width:5px"> </div>A common<div style="display:inline-block;width:6px"> </div>stock. The<div style="display:inline-block;width:6px"> </div>exchange of<div style="display:inline-block;width:6px"> </div>the Class<div style="display:inline-block;width:6px"> </div>C and<div style="display:inline-block;width:6px"> </div>Class D<div style="display:inline-block;width:6px"> </div>preferred </div><div id="a30846" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:724px;">shares had<div style="display:inline-block;width:6px"> </div>a total<div style="display:inline-block;width:6px"> </div>liquidation value<div style="display:inline-block;width:6px"> </div>of $</div><div id="a30846_41_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:243px;top:724px;">102.8</div><div id="a30846_46_74" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:276px;top:724px;"><div style="display:inline-block;width:4px"> </div>million.<div style="display:inline-block;width:5px"> </div>The remaining<div style="display:inline-block;width:6px"> </div>unconverted shares<div style="display:inline-block;width:6px"> </div>of Class<div style="display:inline-block;width:6px"> </div>C preferred<div style="display:inline-block;width:6px"> </div>stock and </div><div id="a30852" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:739px;">Class D preferred stock totaling </div><div id="a30852_33_9" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:195px;top:739px;">1,234,354</div><div id="a30852_42_61" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:254px;top:739px;"><div style="display:inline-block;width:4px"> </div>shares were subsequently redeemed at liquidation<div style="display:inline-block;width:5px"> </div>value for $</div><div id="a30852_103_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:621px;top:739px;">11.4</div><div id="a30852_107_11" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:647px;top:739px;"><div style="display:inline-block;width:4px"> </div>million.<div style="display:inline-block;width:4px"> </div></div><div id="a30865" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:770px;">The fair value of<div style="display:inline-block;width:2px"> </div>consideration on the exchange and redemption<div style="display:inline-block;width:2px"> </div>of the Class C and<div style="display:inline-block;width:2px"> </div>Class D preferred shares exceeded </div><div id="a30870" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:785px;">the<div style="display:inline-block;width:6px"> </div>book<div style="display:inline-block;width:6px"> </div>value<div style="display:inline-block;width:6px"> </div>causing<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>one-time<div style="display:inline-block;width:6px"> </div>reduction<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>net<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:6px"> </div>available<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:6px"> </div>stockholders<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>$</div><div id="a30870_95_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:615px;top:785px;">89.6</div><div id="a30870_99_16" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:641px;top:785px;"><div style="display:inline-block;width:4px"> </div>million.<div style="display:inline-block;width:6px"> </div>As<div style="display:inline-block;width:6px"> </div>of </div><div id="a30876" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:801px;">December 31, 2022, there were </div><div id="a30876_30_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:196px;top:801px;">no</div><div id="a30876_32_22" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:211px;top:801px;"><div style="display:inline-block;width:4px"> </div>preferred shares and </div><div id="a30876_54_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:342px;top:801px;">no</div><div id="a30876_56_35" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:357px;top:801px;"><div style="display:inline-block;width:4px"> </div>outstanding dividends to be paid. </div></div><div id="TextBlockContainer726" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a30903" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">Dividends </div><div id="a30906" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;">The Board approved<div style="display:inline-block;width:5px"> </div>the following dividend<div style="display:inline-block;width:6px"> </div>amounts on the<div style="display:inline-block;width:5px"> </div>preferred shares for<div style="display:inline-block;width:6px"> </div>the years ended<div style="display:inline-block;width:5px"> </div>December 31, 2022 </div><div id="a30923" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">and 2021 (in thousands):</div></div><div id="TextBlockContainer730" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:177px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_728_XBRL_TS_2804cb21a4b644a7ba34bd0e8f6d6996" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer729" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:177px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a30931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a30934" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a30936" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:21px;">Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $</div><div id="a30936_67_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:21px;">1.00</div><div id="a30936_71_13" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:388px;top:21px;"><div style="display:inline-block;width:3px"> </div>par value; $</div><div id="a30936_84_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:21px;">1,000</div><div id="a30945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:35px;">per share liquidation preference; annual dividend rate of </div><div id="a30945_58_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:305px;top:35px;">4</div><div id="a30945_59_33" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:311px;top:35px;">% of liquidation preference paid </div><div id="a30946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">quarterly. Quarterly dividend of $</div><div id="a30946_34_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:179px;top:49px;">10.00</div><div id="a30946_39_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:209px;top:49px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:49px;">$ </div><div id="a30950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:49px;-sec-ix-hidden:ID_306;">-</div><div id="a30953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:49px;">$ </div><div id="a30955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:49px;">1,494</div><div id="a30957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:69px;">Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $</div><div id="a30957_67_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:69px;">1.00</div><div id="a30957_71_13" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:388px;top:69px;"><div style="display:inline-block;width:3px"> </div>par value; $</div><div id="a30957_84_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:69px;">5.00</div><div id="a30966" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:83px;">per share liquidation preference; annual dividend rate of </div><div id="a30966_58_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:305px;top:83px;">4</div><div id="a30966_59_31" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:311px;top:83px;">% of par value paid quarterly. </div><div id="a30967" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Quarterly dividend of $</div><div id="a30967_23_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:125px;top:97px;">0.01</div><div id="a30967_27_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:149px;top:97px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30970" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:97px;-sec-ix-hidden:ID_308;">-</div><div id="a30974" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:97px;">348</div><div id="a30976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:117px;">Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $</div><div id="a30976_73_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:383px;top:117px;">1.00</div><div id="a30976_77_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:406px;top:117px;"><div style="display:inline-block;width:3px"> </div>par value; </div><div id="a30982" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:131px;">$</div><div id="a30982_1_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:11px;top:131px;">1,000</div><div id="a30982_6_59" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:41px;top:131px;"><div style="display:inline-block;width:3px"> </div>per share liquidation preference; annual dividend rate of </div><div id="a30982_65_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:345px;top:131px;">7</div><div id="a30982_66_17" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:352px;top:131px;">% of liquidation </div><div id="a30985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:145px;">preferences paid quarterly. Quarterly dividend of $</div><div id="a30985_51_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:271px;top:145px;">17.50</div><div id="a30985_56_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:145px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:145px;-sec-ix-hidden:ID_310;">-</div><div id="a30992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:145px;">235</div><div id="a30994" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:161px;">Total<div style="display:inline-block;width:5px"> </div>dividends paid </div><div id="a30996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:162px;">$ </div><div id="a30998" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:162px;-sec-ix-hidden:ID_312;">-</div><div id="a31001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:162px;">$ </div><div id="a31003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:162px;">2,077</div></div></div></div><div id="TextBlockContainer732" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:93px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31006" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Declaration of dividends by the Board is required before dividend payments are made. The dividend payment dates for </div><div id="a31008" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">Class C and<div style="display:inline-block;width:2px"> </div>Class D preferred shares<div style="display:inline-block;width:2px"> </div>were set by<div style="display:inline-block;width:2px"> </div>the Board while the<div style="display:inline-block;width:2px"> </div>Class E preferred shares<div style="display:inline-block;width:2px"> </div>had a set<div style="display:inline-block;width:2px"> </div>dividend payment </div><div id="a31025" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">date on the fifteenth of February,<div style="display:inline-block;width:5px"> </div>May, August, and November. </div><div id="a31031" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">No</div><div id="a31031_2_109" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:46px;top:61px;"><div style="display:inline-block;width:4px"> </div>dividends were approved by<div style="display:inline-block;width:5px"> </div>the Board for the common<div style="display:inline-block;width:5px"> </div>stock classes for the years ended<div style="display:inline-block;width:5px"> </div>December 31, 2022 and </div><div id="a31046" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">2021. Additionally, there<div style="display:inline-block;width:5px"> </div>were </div><div id="a31046_31_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:184px;top:77px;">no</div><div id="a31046_33_61" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:199px;top:77px;"><div style="display:inline-block;width:4px"> </div>dividends declared and unpaid at December 31, 2022<div style="display:inline-block;width:5px"> </div>and 2021.</div></div> 1.00 1 1 4600000 10.00 40000000.0 6121052 1224212 1.00 1.00 7500000 103000000 0.90 0.10 47473 11061552 10278072 102800000 1234354 11400000 -89600000 0 0 <div id="TextBlockContainer729" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:723px;height:177px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a30931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:538px;top:0px;">2022 </div><div id="a30934" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:655px;top:0px;">2021 </div><div id="a30936" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:21px;">Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $</div><div id="a30936_67_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:21px;">1.00</div><div id="a30936_71_13" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:388px;top:21px;"><div style="display:inline-block;width:3px"> </div>par value; $</div><div id="a30936_84_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:21px;">1,000</div><div id="a30945" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:35px;">per share liquidation preference; annual dividend rate of </div><div id="a30945_58_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:305px;top:35px;">4</div><div id="a30945_59_33" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:311px;top:35px;">% of liquidation preference paid </div><div id="a30946" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:49px;">quarterly. Quarterly dividend of $</div><div id="a30946_34_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:179px;top:49px;">10.00</div><div id="a30946_39_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:209px;top:49px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30948" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:49px;">$ </div><div id="a30950" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:49px;-sec-ix-hidden:ID_306;">-</div><div id="a30953" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:49px;">$ </div><div id="a30955" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:49px;">1,494</div><div id="a30957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:69px;">Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $</div><div id="a30957_67_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:365px;top:69px;">1.00</div><div id="a30957_71_13" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:388px;top:69px;"><div style="display:inline-block;width:3px"> </div>par value; $</div><div id="a30957_84_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:454px;top:69px;">5.00</div><div id="a30966" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:83px;">per share liquidation preference; annual dividend rate of </div><div id="a30966_58_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:305px;top:83px;">4</div><div id="a30966_59_31" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:311px;top:83px;">% of par value paid quarterly. </div><div id="a30967" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:97px;">Quarterly dividend of $</div><div id="a30967_23_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:125px;top:97px;">0.01</div><div id="a30967_27_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:149px;top:97px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30970" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:97px;-sec-ix-hidden:ID_308;">-</div><div id="a30974" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:97px;">348</div><div id="a30976" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:117px;">Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $</div><div id="a30976_73_4" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:383px;top:117px;">1.00</div><div id="a30976_77_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:406px;top:117px;"><div style="display:inline-block;width:3px"> </div>par value; </div><div id="a30982" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:131px;">$</div><div id="a30982_1_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:11px;top:131px;">1,000</div><div id="a30982_6_59" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:41px;top:131px;"><div style="display:inline-block;width:3px"> </div>per share liquidation preference; annual dividend rate of </div><div id="a30982_65_1" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:345px;top:131px;">7</div><div id="a30982_66_17" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:352px;top:131px;">% of liquidation </div><div id="a30985" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:145px;">preferences paid quarterly. Quarterly dividend of $</div><div id="a30985_51_5" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:271px;top:145px;">17.50</div><div id="a30985_56_12" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:301px;top:145px;"><div style="display:inline-block;width:3px"> </div>per share. </div><div id="a30988" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:145px;-sec-ix-hidden:ID_310;">-</div><div id="a30992" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:701px;top:145px;">235</div><div id="a30994" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:161px;">Total<div style="display:inline-block;width:5px"> </div>dividends paid </div><div id="a30996" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:496px;top:162px;">$ </div><div id="a30998" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:162px;-sec-ix-hidden:ID_312;">-</div><div id="a31001" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:613px;top:162px;">$ </div><div id="a31003" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:162px;">2,077</div></div> 1.00 1000 0.04 10.00 1494000 1.00 5.00 0.04 0.01 348000 1.00 1000 0.07 17.50 235000 2077000 0 0 0 0 <div id="TextBlockContainer734" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:250px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31062" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">14.<div style="display:inline-block;width:18px"> </div>EARNINGS PER SHARE </div><div id="a31067" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">Earnings<div style="display:inline-block;width:6px"> </div>per<div style="display:inline-block;width:6px"> </div>share<div style="display:inline-block;width:6px"> </div>(“EPS”)<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:6px"> </div>stock<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>calculated<div style="display:inline-block;width:6px"> </div>using<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>two-class<div style="display:inline-block;width:6px"> </div>method<div style="display:inline-block;width:6px"> </div>required<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>participating </div><div id="a31076" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">securities. Basic EPS<div style="display:inline-block;width:2px"> </div>is calculated by<div style="display:inline-block;width:2px"> </div>dividing net income (loss)<div style="display:inline-block;width:2px"> </div>available to common<div style="display:inline-block;width:2px"> </div>stockholders by the weighted-average </div><div id="a31083" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">number of common shares outstanding for<div style="display:inline-block;width:5px"> </div>the period, without consideration for common<div style="display:inline-block;width:5px"> </div>stock equivalents. Diluted EPS is </div><div id="a31084" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">computed by<div style="display:inline-block;width:6px"> </div>dividing net<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:5px"> </div>(loss)<div style="display:inline-block;width:5px"> </div>available to<div style="display:inline-block;width:6px"> </div>common<div style="display:inline-block;width:5px"> </div>stockholders by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:5px"> </div>weighted-average number<div style="display:inline-block;width:7px"> </div>of common </div><div id="a31090" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">shares outstanding for<div style="display:inline-block;width:5px"> </div>the period and<div style="display:inline-block;width:5px"> </div>the weighted-average number<div style="display:inline-block;width:6px"> </div>of dilutive common<div style="display:inline-block;width:5px"> </div>stock equivalents outstanding<div style="display:inline-block;width:5px"> </div>for </div><div id="a31093" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">the period determined using the treasury-stock method. For purposes<div style="display:inline-block;width:2px"> </div>of this calculation, common stock equivalents include </div><div id="a31096" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">common stock options and are only included in the calculation<div style="display:inline-block;width:5px"> </div>of diluted EPS when their effect is dilutive.<div style="display:inline-block;width:9px"> </div></div><div id="a31100" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:157px;">In calculating EPS for<div style="display:inline-block;width:2px"> </div>the year ended<div style="display:inline-block;width:2px"> </div>December 31, 2022 and 2021, net<div style="display:inline-block;width:2px"> </div>income available to common stockholders<div style="display:inline-block;width:2px"> </div>was </div><div id="a31105" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:172px;">not allocated<div style="display:inline-block;width:5px"> </div>between Class<div style="display:inline-block;width:6px"> </div>A and<div style="display:inline-block;width:5px"> </div>Class B<div style="display:inline-block;width:5px"> </div>common stock<div style="display:inline-block;width:6px"> </div>since there<div style="display:inline-block;width:5px"> </div>was </div><div id="a31105_71_2" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:460px;top:172px;">no</div><div id="a31105_73_39" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:475px;top:172px;"><div style="display:inline-block;width:4px"> </div>issued and<div style="display:inline-block;width:6px"> </div>outstanding Class<div style="display:inline-block;width:6px"> </div>B common </div><div id="a31107" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:187px;">stock at year-end. </div><div id="a31112" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:218px;">The following table<div style="display:inline-block;width:5px"> </div>reflects the calculation<div style="display:inline-block;width:5px"> </div>of net income<div style="display:inline-block;width:5px"> </div>(loss) available to<div style="display:inline-block;width:5px"> </div>common stockholders<div style="display:inline-block;width:5px"> </div>for the years<div style="display:inline-block;width:5px"> </div>ended </div><div id="a31115" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:233px;">December 31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer737" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:80px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:508px;top:0px;">2022 </div><div id="a31126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:645px;top:0px;">2021 </div><div id="a31128" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Net Income </div><div id="a31130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:16px;">$ </div><div id="a31132" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:16px;">20,141</div><div id="a31135" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:16px;">$ </div><div id="a31137" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:16px;">21,077</div><div id="a31139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Less: Preferred stock dividends<div style="display:inline-block;width:3px"> </div></div><div id="a31142" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:32px;-sec-ix-hidden:ID_282A;">-</div><div id="a31146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">2,077</div><div id="a31148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Less: Exchange and redemption of preferred shares </div><div id="a31151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:48px;-sec-ix-hidden:ID_284A;">-</div><div id="a31155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:48px;">89,585</div><div id="a31157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:64px;">Net income (loss) available to common stockholders </div><div id="a31159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:65px;">$ </div><div id="a31161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:65px;">20,141</div><div id="a31164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:65px;">$ </div><div id="a31166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:65px;display:flex;">(70,585)</div></div><div id="TextBlockContainer740" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31189" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The following<div style="display:inline-block;width:5px"> </div>table reflects<div style="display:inline-block;width:6px"> </div>the calculation<div style="display:inline-block;width:6px"> </div>of basic<div style="display:inline-block;width:5px"> </div>and diluted<div style="display:inline-block;width:5px"> </div>earnings (loss)<div style="display:inline-block;width:6px"> </div>per common<div style="display:inline-block;width:6px"> </div>share class<div style="display:inline-block;width:5px"> </div>for the<div style="display:inline-block;width:6px"> </div>years </div><div id="a31195" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">ended December 31, 2022 and 2021 (in thousands, except per<div style="display:inline-block;width:5px"> </div>share amounts):</div></div><div id="TextBlockContainer744" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:372px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_742_XBRL_TS_2fce6e86c15d4fdb9054477ae522389b" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer743" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:372px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31210" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:581px;top:0px;">2022 </div><div id="a31213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:0px;">2021 </div><div id="a31216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:572px;top:16px;">Class A </div><div id="a31219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:662px;top:16px;">Class A</div><div id="a31222" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:31px;">Basic EPS </div><div id="a31229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:47px;">Numerator: </div><div id="a31236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Net income (loss) available to common shares before allocation </div><div id="a31239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:64px;">$ </div><div id="a31241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:64px;">20,141</div><div id="a31244" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:64px;">$ </div><div id="a31246" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:64px;display:flex;">(70,585)</div><div id="a31248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:79px;">Multiply: % allocated on weighted avg. shares outstanding </div><div id="a31251" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:80px;display:flex;">100.0%</div><div id="a31255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:80px;display:flex;">100.0%</div><div id="a31257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Net income (loss) available to common shares after allocation </div><div id="a31259" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:96px;">$ </div><div id="a31261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:96px;">20,141</div><div id="a31264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:96px;">$ </div><div id="a31266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:96px;display:flex;">(70,585)</div><div id="a31268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:111px;">Denominator: </div><div id="a31275" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:127px;">Weighted average shares outstanding </div><div id="a31279" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;">19,999,323</div><div id="a31283" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:128px;">10,507,530</div><div id="a31285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:144px;">Earnings (loss) per share, basic </div><div id="a31287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:145px;">$ </div><div id="a31289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:610px;top:145px;">1.01</div><div id="a31292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:145px;">$ </div><div id="a31294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:693px;top:145px;display:flex;">(6.72)</div><div id="a31302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:177px;">Diluted EPS </div><div id="a31309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:193px;">Numerator: </div><div id="a31316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:209px;">Net income (loss) available to common shares before allocation </div><div id="a31318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:210px;">$ </div><div id="a31320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:210px;">20,141</div><div id="a31323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:210px;">$ </div><div id="a31325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:210px;display:flex;">(70,585)</div><div id="a31327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:225px;">Multiply: % allocated on weighted avg. shares outstanding </div><div id="a31332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:226px;display:flex;">100.0%</div><div id="a31336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:226px;display:flex;">100.0%</div><div id="a31338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">Net income (loss) available to common shares after allocation </div><div id="a31340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:242px;">$ </div><div id="a31342" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:242px;">20,141</div><div id="a31345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:242px;">$ </div><div id="a31347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:242px;display:flex;">(70,585)</div><div id="a31349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:257px;">Denominator: </div><div id="a31356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:273px;">Weighted average shares outstanding for basic EPS </div><div id="a31359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:274px;">19,999,323</div><div id="a31363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:274px;">10,507,530</div><div id="a31365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:289px;">Add: Dilutive effects of assumed exercises of stock options </div><div id="a31369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:290px;">177,515</div><div id="a31373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:290px;">-</div><div id="a31375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:306px;">Weighted avg. shares including dilutive potential common shares </div><div id="a31378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:307px;">20,176,838</div><div id="a31382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:307px;">10,507,530</div><div id="a31384" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:323px;">Earnings (loss) per share, diluted </div><div id="a31386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:324px;">$ </div><div id="a31388" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:610px;top:324px;">1.00</div><div id="a31391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:324px;">$ </div><div id="a31393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:693px;top:324px;display:flex;">(6.72)</div><div id="a31401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:356px;">Anti-dilutive stock options excluded from diluted EPS </div><div id="a31406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:357px;">15,000</div><div id="a31410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:357px;">183,303</div></div></div></div><div id="TextBlockContainer746" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:77px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31419" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">For the year<div style="display:inline-block;width:5px"> </div>ended 2021, the<div style="display:inline-block;width:5px"> </div>Company was<div style="display:inline-block;width:5px"> </div>in a net<div style="display:inline-block;width:5px"> </div>loss position after<div style="display:inline-block;width:6px"> </div>adjusting for<div style="display:inline-block;width:5px"> </div>the exchange and<div style="display:inline-block;width:5px"> </div>redemption of </div><div id="a31428" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">the Class C<div style="display:inline-block;width:5px"> </div>and Class D<div style="display:inline-block;width:5px"> </div>preferred shares, making<div style="display:inline-block;width:5px"> </div>basic net loss<div style="display:inline-block;width:5px"> </div>per share the<div style="display:inline-block;width:5px"> </div>same as diluted<div style="display:inline-block;width:5px"> </div>net loss per<div style="display:inline-block;width:5px"> </div>share as the </div><div id="a31429" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">inclusion of all potential common shares outstanding would<div style="display:inline-block;width:5px"> </div>have been antidilutive. </div><div id="a31432" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:61px;">See Note 13 “Stockholders’ Equity” for further discussion<div style="display:inline-block;width:5px"> </div>on the stock splits.</div></div> 0 0 <div id="TextBlockContainer738" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:80px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_736_XBRL_TS_31ca43c75e6c4650a1b61b0587bf750a" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer737" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:80px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:508px;top:0px;">2022 </div><div id="a31126" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:645px;top:0px;">2021 </div><div id="a31128" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:16px;">Net Income </div><div id="a31130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:16px;">$ </div><div id="a31132" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:16px;">20,141</div><div id="a31135" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:16px;">$ </div><div id="a31137" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:16px;">21,077</div><div id="a31139" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:31px;">Less: Preferred stock dividends<div style="display:inline-block;width:3px"> </div></div><div id="a31142" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:32px;-sec-ix-hidden:ID_282A;">-</div><div id="a31146" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:32px;">2,077</div><div id="a31148" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:47px;">Less: Exchange and redemption of preferred shares </div><div id="a31151" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:48px;-sec-ix-hidden:ID_284A;">-</div><div id="a31155" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:684px;top:48px;">89,585</div><div id="a31157" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:64px;">Net income (loss) available to common stockholders </div><div id="a31159" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:65px;">$ </div><div id="a31161" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:65px;">20,141</div><div id="a31164" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:65px;">$ </div><div id="a31166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:65px;display:flex;">(70,585)</div></div></div></div> 20141000 21077000 2077000 89585000 20141000 -70585000 <div id="TextBlockContainer743" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:372px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31210" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:581px;top:0px;">2022 </div><div id="a31213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:0px;">2021 </div><div id="a31216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:572px;top:16px;">Class A </div><div id="a31219" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:662px;top:16px;">Class A</div><div id="a31222" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:31px;">Basic EPS </div><div id="a31229" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:47px;">Numerator: </div><div id="a31236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Net income (loss) available to common shares before allocation </div><div id="a31239" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:64px;">$ </div><div id="a31241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:64px;">20,141</div><div id="a31244" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:64px;">$ </div><div id="a31246" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:64px;display:flex;">(70,585)</div><div id="a31248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:79px;">Multiply: % allocated on weighted avg. shares outstanding </div><div id="a31251" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:80px;display:flex;">100.0%</div><div id="a31255" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:80px;display:flex;">100.0%</div><div id="a31257" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:96px;">Net income (loss) available to common shares after allocation </div><div id="a31259" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:96px;">$ </div><div id="a31261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:96px;">20,141</div><div id="a31264" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:96px;">$ </div><div id="a31266" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:96px;display:flex;">(70,585)</div><div id="a31268" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:111px;">Denominator: </div><div id="a31275" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:127px;">Weighted average shares outstanding </div><div id="a31279" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;">19,999,323</div><div id="a31283" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:128px;">10,507,530</div><div id="a31285" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:144px;">Earnings (loss) per share, basic </div><div id="a31287" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:145px;">$ </div><div id="a31289" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:610px;top:145px;">1.01</div><div id="a31292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:145px;">$ </div><div id="a31294" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:693px;top:145px;display:flex;">(6.72)</div><div id="a31302" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:177px;">Diluted EPS </div><div id="a31309" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:193px;">Numerator: </div><div id="a31316" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:209px;">Net income (loss) available to common shares before allocation </div><div id="a31318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:210px;">$ </div><div id="a31320" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:210px;">20,141</div><div id="a31323" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:210px;">$ </div><div id="a31325" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:210px;display:flex;">(70,585)</div><div id="a31327" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:225px;">Multiply: % allocated on weighted avg. shares outstanding </div><div id="a31332" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:226px;display:flex;">100.0%</div><div id="a31336" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:226px;display:flex;">100.0%</div><div id="a31338" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">Net income (loss) available to common shares after allocation </div><div id="a31340" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:242px;">$ </div><div id="a31342" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:242px;">20,141</div><div id="a31345" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:242px;">$ </div><div id="a31347" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:680px;top:242px;display:flex;">(70,585)</div><div id="a31349" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:257px;">Denominator: </div><div id="a31356" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:273px;">Weighted average shares outstanding for basic EPS </div><div id="a31359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:274px;">19,999,323</div><div id="a31363" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:274px;">10,507,530</div><div id="a31365" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:289px;">Add: Dilutive effects of assumed exercises of stock options </div><div id="a31369" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:590px;top:290px;">177,515</div><div id="a31373" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:290px;">-</div><div id="a31375" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:306px;">Weighted avg. shares including dilutive potential common shares </div><div id="a31378" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:307px;">20,176,838</div><div id="a31382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:661px;top:307px;">10,507,530</div><div id="a31384" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:323px;">Earnings (loss) per share, diluted </div><div id="a31386" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:551px;top:324px;">$ </div><div id="a31388" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:610px;top:324px;">1.00</div><div id="a31391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:643px;top:324px;">$ </div><div id="a31393" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:693px;top:324px;display:flex;">(6.72)</div><div id="a31401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:356px;">Anti-dilutive stock options excluded from diluted EPS </div><div id="a31406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:597px;top:357px;">15,000</div><div id="a31410" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:357px;">183,303</div></div> 20141000 -70585000 1.000 1.000 20141000 -70585000 19999323 10507530 1.01 -6.72 20141000 -70585000 1.000 1.000 20141000 -70585000 19999323 10507530 177515 0 20176838 10507530 1.00 -6.72 15000 183303 <div id="TextBlockContainer748" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:357px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31440" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">15.<div style="display:inline-block;width:18px"> </div>REGULATORY<div style="display:inline-block;width:6px"> </div>MATTERS </div><div id="a31445" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">Banks and<div style="display:inline-block;width:6px"> </div>bank holding<div style="display:inline-block;width:6px"> </div>companies<div style="display:inline-block;width:5px"> </div>are subject<div style="display:inline-block;width:6px"> </div>to regulatory<div style="display:inline-block;width:6px"> </div>capital requirements<div style="display:inline-block;width:6px"> </div>administered by<div style="display:inline-block;width:6px"> </div>federal and<div style="display:inline-block;width:6px"> </div>state </div><div id="a31451" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">banking<div style="display:inline-block;width:5px"> </div>agencies.<div style="display:inline-block;width:6px"> </div>Failure<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:5px"> </div>meet<div style="display:inline-block;width:5px"> </div>minimum<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:5px"> </div>requirements<div style="display:inline-block;width:6px"> </div>can<div style="display:inline-block;width:5px"> </div>initiate<div style="display:inline-block;width:5px"> </div>certain<div style="display:inline-block;width:5px"> </div>mandatory<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>possibly<div style="display:inline-block;width:5px"> </div>additional </div><div id="a31454" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">discretionary actions<div style="display:inline-block;width:6px"> </div>by regulators<div style="display:inline-block;width:5px"> </div>that, if<div style="display:inline-block;width:5px"> </div>undertaken, could<div style="display:inline-block;width:6px"> </div>have a<div style="display:inline-block;width:5px"> </div>direct material<div style="display:inline-block;width:5px"> </div>effect on<div style="display:inline-block;width:5px"> </div>the Company's<div style="display:inline-block;width:6px"> </div>consolidated </div><div id="a31457" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:80px;">financial<div style="display:inline-block;width:5px"> </div>statements.<div style="display:inline-block;width:6px"> </div>Under<div style="display:inline-block;width:5px"> </div>capital<div style="display:inline-block;width:5px"> </div>adequacy<div style="display:inline-block;width:6px"> </div>guidelines<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>regulatory<div style="display:inline-block;width:5px"> </div>framework<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:5px"> </div>prompt<div style="display:inline-block;width:5px"> </div>corrective<div style="display:inline-block;width:5px"> </div>action,<div style="display:inline-block;width:6px"> </div>the </div><div id="a31459" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:95px;">Company and the<div style="display:inline-block;width:5px"> </div>Bank must meet<div style="display:inline-block;width:5px"> </div>specific capital guidelines<div style="display:inline-block;width:6px"> </div>that involve quantitative<div style="display:inline-block;width:6px"> </div>measures of<div style="display:inline-block;width:5px"> </div>their assets, liabilities, </div><div id="a31468" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:111px;">and<div style="display:inline-block;width:5px"> </div>certain<div style="display:inline-block;width:5px"> </div>off-balance-sheet<div style="display:inline-block;width:6px"> </div>items<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>calculated<div style="display:inline-block;width:5px"> </div>under<div style="display:inline-block;width:5px"> </div>regulatory<div style="display:inline-block;width:6px"> </div>accounting<div style="display:inline-block;width:6px"> </div>practices.<div style="display:inline-block;width:5px"> </div>The<div style="display:inline-block;width:5px"> </div>Company<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>the<div style="display:inline-block;width:5px"> </div>Bank’s </div><div id="a31478" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:126px;">capital<div style="display:inline-block;width:6px"> </div>amounts<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>classification<div style="display:inline-block;width:6px"> </div>are<div style="display:inline-block;width:6px"> </div>also<div style="display:inline-block;width:6px"> </div>subject<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>qualitative<div style="display:inline-block;width:6px"> </div>judgments<div style="display:inline-block;width:6px"> </div>by<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>regulators<div style="display:inline-block;width:6px"> </div>about<div style="display:inline-block;width:6px"> </div>components,<div style="display:inline-block;width:7px"> </div>risk </div><div id="a31479" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:141px;">weightings, and other factors. </div><div id="a31482" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:172px;">Based on changes to the Federal Reserve’s definition of a “Small Bank Holding<div style="display:inline-block;width:2px"> </div>Company” that increased the threshold </div><div id="a31484" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:187px;">to $3.0 billion in assets<div style="display:inline-block;width:5px"> </div>in August 2018, the Company<div style="display:inline-block;width:5px"> </div>is not currently subject to<div style="display:inline-block;width:5px"> </div>separate minimum capital measurements. </div><div id="a31488" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:203px;">At such time when the Company reaches the<div style="display:inline-block;width:2px"> </div>$3.0 billion asset level, it will<div style="display:inline-block;width:2px"> </div>be subject to capital measurements independent </div><div id="a31490" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:218px;">of the Bank. </div><div id="a31493" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:249px;">The Bank has<div style="display:inline-block;width:2px"> </div>elected to permanently opt-out<div style="display:inline-block;width:2px"> </div>of the inclusion<div style="display:inline-block;width:2px"> </div>of accumulated other comprehensive<div style="display:inline-block;width:2px"> </div>income in the<div style="display:inline-block;width:2px"> </div>capital </div><div id="a31499" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:264px;">calculations, as permitted by the regulations. This<div style="display:inline-block;width:2px"> </div>opt-out will reduce the impact of<div style="display:inline-block;width:2px"> </div>market volatility on the Bank’s regulatory </div><div id="a31505" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:279px;">capital levels. </div><div id="a31508" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:310px;">The Bank is<div style="display:inline-block;width:2px"> </div>subject to the<div style="display:inline-block;width:2px"> </div>rules of the<div style="display:inline-block;width:2px"> </div>Basel III regulatory capital<div style="display:inline-block;width:2px"> </div>framework and related Dodd-Frank<div style="display:inline-block;width:2px"> </div>Wall Street Reform </div><div id="a31514" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:325px;">and Consumer Protection<div style="display:inline-block;width:5px"> </div>Act. The rules include<div style="display:inline-block;width:5px"> </div>the implementation of<div style="display:inline-block;width:5px"> </div>a </div><div id="a31514_71_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:438px;top:325px;">2.5</div><div id="a31514_74_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:325px;">% capital conservation<div style="display:inline-block;width:5px"> </div>buffer that is<div style="display:inline-block;width:5px"> </div>added to </div><div id="a31515" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:341px;">the minimum<div style="display:inline-block;width:5px"> </div>requirements for capital<div style="display:inline-block;width:5px"> </div>adequacy purposes.<div style="display:inline-block;width:5px"> </div>Failure to maintain<div style="display:inline-block;width:5px"> </div>the required capital<div style="display:inline-block;width:5px"> </div>conservation buffer<div style="display:inline-block;width:6px"> </div>will </div></div><div id="TextBlockContainer750" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:324px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31538" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">limit the ability of<div style="display:inline-block;width:5px"> </div>the Bank to pay<div style="display:inline-block;width:6px"> </div>dividends, repurchase shares<div style="display:inline-block;width:5px"> </div>or pay discretionary<div style="display:inline-block;width:5px"> </div>bonuses. At December<div style="display:inline-block;width:5px"> </div>31, 2022 and </div><div id="a31549" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">2021, the capital ratios for the Bank were sufficient<div style="display:inline-block;width:5px"> </div>to meet the conservation buffer. </div><div id="a31555" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:46px;">Prompt<div style="display:inline-block;width:12px"> </div>corrective<div style="display:inline-block;width:12px"> </div>action<div style="display:inline-block;width:12px"> </div>regulations<div style="display:inline-block;width:12px"> </div>provide<div style="display:inline-block;width:12px"> </div>five<div style="display:inline-block;width:12px"> </div>classifications:<div style="display:inline-block;width:13px"> </div>well<div style="display:inline-block;width:12px"> </div>capitalized,<div style="display:inline-block;width:12px"> </div>adequately<div style="display:inline-block;width:12px"> </div>capitalized, </div><div id="a31558" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">undercapitalized,<div style="display:inline-block;width:7px"> </div>significantly<div style="display:inline-block;width:7px"> </div>undercapitalized,<div style="display:inline-block;width:7px"> </div>and<div style="display:inline-block;width:7px"> </div>critically<div style="display:inline-block;width:7px"> </div>undercapitalized,<div style="display:inline-block;width:8px"> </div>although<div style="display:inline-block;width:7px"> </div>these<div style="display:inline-block;width:7px"> </div>terms<div style="display:inline-block;width:7px"> </div>are<div style="display:inline-block;width:7px"> </div>not<div style="display:inline-block;width:7px"> </div>used<div style="display:inline-block;width:7px"> </div>to </div><div id="a31561" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:77px;">represent overall financial condition. If<div style="display:inline-block;width:5px"> </div>adequately capitalized, regulatory approval<div style="display:inline-block;width:5px"> </div>is required to accept brokered<div style="display:inline-block;width:5px"> </div>deposits. </div><div id="a31563" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:92px;">If<div style="display:inline-block;width:5px"> </div>undercapitalized,<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:5px"> </div>distributions<div style="display:inline-block;width:5px"> </div>are<div style="display:inline-block;width:5px"> </div>limited,<div style="display:inline-block;width:5px"> </div>as<div style="display:inline-block;width:5px"> </div>is<div style="display:inline-block;width:5px"> </div>asset<div style="display:inline-block;width:5px"> </div>growth<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>expansion,<div style="display:inline-block;width:5px"> </div>and<div style="display:inline-block;width:5px"> </div>capital<div style="display:inline-block;width:5px"> </div>restoration<div style="display:inline-block;width:6px"> </div>plans<div style="display:inline-block;width:5px"> </div>are </div><div id="a31565" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">required.<div style="display:inline-block;width:4px"> </div></div><div id="a31568" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:138px;">At December 31,<div style="display:inline-block;width:5px"> </div>2022 and<div style="display:inline-block;width:5px"> </div>2021, the most<div style="display:inline-block;width:6px"> </div>recent notification<div style="display:inline-block;width:5px"> </div>from the<div style="display:inline-block;width:5px"> </div>regulatory authorities<div style="display:inline-block;width:5px"> </div>categorized the<div style="display:inline-block;width:5px"> </div>Bank as </div><div id="a31579" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">well capitalized<div style="display:inline-block;width:6px"> </div>under the<div style="display:inline-block;width:6px"> </div>regulatory framework<div style="display:inline-block;width:6px"> </div>for prompt<div style="display:inline-block;width:6px"> </div>corrective action.<div style="display:inline-block;width:6px"> </div>Failure to<div style="display:inline-block;width:6px"> </div>meet statutorily<div style="display:inline-block;width:6px"> </div>mandated<div style="display:inline-block;width:5px"> </div>capital </div><div id="a31581" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">guidelines<div style="display:inline-block;width:6px"> </div>could<div style="display:inline-block;width:6px"> </div>subject<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>Bank<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>variety<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>enforcement<div style="display:inline-block;width:6px"> </div>remedies,<div style="display:inline-block;width:6px"> </div>including<div style="display:inline-block;width:6px"> </div>issuance<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>a<div style="display:inline-block;width:6px"> </div>capital<div style="display:inline-block;width:6px"> </div>directive,<div style="display:inline-block;width:6px"> </div>the </div><div id="a31585" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">termination of deposit<div style="display:inline-block;width:5px"> </div>insurance by the<div style="display:inline-block;width:5px"> </div>FDIC, a prohibition<div style="display:inline-block;width:5px"> </div>on accepting or<div style="display:inline-block;width:5px"> </div>renewing brokered deposits,<div style="display:inline-block;width:6px"> </div>limitations on the </div><div id="a31586" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:199px;">rates of<div style="display:inline-block;width:6px"> </div>interest that<div style="display:inline-block;width:6px"> </div>the Bank<div style="display:inline-block;width:6px"> </div>may pay<div style="display:inline-block;width:6px"> </div>on<div style="display:inline-block;width:5px"> </div>its deposits<div style="display:inline-block;width:6px"> </div>and other<div style="display:inline-block;width:6px"> </div>restrictions<div style="display:inline-block;width:5px"> </div>on<div style="display:inline-block;width:5px"> </div>its business.<div style="display:inline-block;width:6px"> </div>To<div style="display:inline-block;width:6px"> </div>be categorized<div style="display:inline-block;width:6px"> </div>as well </div><div id="a31590" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:215px;">capitalized, an institution must<div style="display:inline-block;width:5px"> </div>maintain minimum<div style="display:inline-block;width:5px"> </div>total risk-based, Tier<div style="display:inline-block;width:5px"> </div>1 risk-based and Tier<div style="display:inline-block;width:6px"> </div>1 leverage ratios as<div style="display:inline-block;width:5px"> </div>set forth </div><div id="a31595" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:230px;">in the<div style="display:inline-block;width:5px"> </div>table below.<div style="display:inline-block;width:7px"> </div>There are<div style="display:inline-block;width:6px"> </div>no conditions<div style="display:inline-block;width:6px"> </div>or events<div style="display:inline-block;width:6px"> </div>since the<div style="display:inline-block;width:6px"> </div>notification that<div style="display:inline-block;width:6px"> </div>management<div style="display:inline-block;width:5px"> </div>believes have<div style="display:inline-block;width:6px"> </div>changed the </div><div id="a31599" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:245px;">Bank’s category.<div style="display:inline-block;width:5px"> </div></div><div id="a31604" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:276px;">Actual and required<div style="display:inline-block;width:5px"> </div>capital amounts<div style="display:inline-block;width:5px"> </div>and ratios are<div style="display:inline-block;width:5px"> </div>presented below for<div style="display:inline-block;width:6px"> </div>the Bank at<div style="display:inline-block;width:5px"> </div>December 31, 2022 and<div style="display:inline-block;width:6px"> </div>2021 (in </div><div id="a31614" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:291px;">thousands, except ratios). The required amounts for capital adequacy<div style="display:inline-block;width:5px"> </div>shown do not include the capital conservation buffer </div><div id="a31620" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:307px;">previously discussed.</div></div><div id="TextBlockContainer756" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:201px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31969" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">Effective December 30, 2021, the Company acquired the Bank in a merger and<div style="display:inline-block;width:2px"> </div>reorganization through the formation of </div><div id="a31975" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">a bank holding company.<div style="display:inline-block;width:6px"> </div>Pursuant to this transaction, all of the<div style="display:inline-block;width:5px"> </div>outstanding shares of the Bank’s<div style="display:inline-block;width:5px"> </div>$</div><div id="a31975_99_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:585px;top:15px;">1.00</div><div id="a31975_103_18" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:611px;top:15px;"><div style="display:inline-block;width:4px"> </div>par value common </div><div id="a31982" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">stock formerly<div style="display:inline-block;width:5px"> </div>held by<div style="display:inline-block;width:5px"> </div>its shareholders<div style="display:inline-block;width:6px"> </div>was converted<div style="display:inline-block;width:5px"> </div>into and<div style="display:inline-block;width:5px"> </div>exchanged for<div style="display:inline-block;width:5px"> </div>one newly<div style="display:inline-block;width:5px"> </div>issued share<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:5px"> </div>Company’s </div><div id="a31985" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">par value common stock,<div style="display:inline-block;width:2px"> </div>and the Bank<div style="display:inline-block;width:2px"> </div>became a subsidiary of<div style="display:inline-block;width:2px"> </div>the Company. See Note 13 “Stockholders’ Equity”<div style="display:inline-block;width:2px"> </div>for further </div><div id="a31989" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:61px;">details. </div><div id="a31992" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:92px;">The Company<div style="display:inline-block;width:5px"> </div>is limited in<div style="display:inline-block;width:6px"> </div>the amount<div style="display:inline-block;width:5px"> </div>of cash<div style="display:inline-block;width:5px"> </div>dividends that<div style="display:inline-block;width:5px"> </div>it may<div style="display:inline-block;width:5px"> </div>pay.<div style="display:inline-block;width:5px"> </div>Payment of<div style="display:inline-block;width:5px"> </div>dividends is generally<div style="display:inline-block;width:6px"> </div>limited to </div><div id="a31995" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:107px;">the Company’s<div style="display:inline-block;width:6px"> </div>net income<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:5px"> </div>current year<div style="display:inline-block;width:6px"> </div>combined with<div style="display:inline-block;width:6px"> </div>the Bank’s<div style="display:inline-block;width:6px"> </div>retained income<div style="display:inline-block;width:6px"> </div>of the<div style="display:inline-block;width:5px"> </div>preceding two<div style="display:inline-block;width:6px"> </div>years, as </div><div id="a31996" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:123px;">defined by state banking regulations. However, for any dividend declaration, the Company<div style="display:inline-block;width:5px"> </div>must consider additional factors </div><div id="a31998" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:138px;">such as the amount<div style="display:inline-block;width:5px"> </div>of current period net<div style="display:inline-block;width:5px"> </div>income, liquidity,<div style="display:inline-block;width:6px"> </div>asset quality,<div style="display:inline-block;width:6px"> </div>capital adequacy and<div style="display:inline-block;width:5px"> </div>economic conditions at<div style="display:inline-block;width:5px"> </div>the </div><div id="a31999" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:153px;">Bank. It is likely that<div style="display:inline-block;width:2px"> </div>these factors would further limit the<div style="display:inline-block;width:2px"> </div>amount of dividends which the Company<div style="display:inline-block;width:2px"> </div>could declare. In addition, </div><div id="a32001" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:169px;">bank regulators have<div style="display:inline-block;width:5px"> </div>the authority to<div style="display:inline-block;width:5px"> </div>prohibit banks<div style="display:inline-block;width:5px"> </div>from paying dividends<div style="display:inline-block;width:6px"> </div>if they deem<div style="display:inline-block;width:6px"> </div>such payment to<div style="display:inline-block;width:5px"> </div>be an unsafe<div style="display:inline-block;width:5px"> </div>or </div><div id="a32002" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:184px;">unsound practice.</div></div><div id="TextBlockContainer753" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:237px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31625" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:294px;top:28px;">Actual </div><div id="a31628" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:430px;top:14px;">Minimum Capital </div><div id="a31629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:438px;top:28px;">Requirements<div style="display:inline-block;width:3px"> </div></div><div id="a31632" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:581px;top:0px;">To be Well Capitalized </div><div id="a31633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:14px;">Under Prompt Corrective </div><div id="a31634" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:593px;top:28px;">Action Provisions </div><div id="a31637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:44px;">Amount </div><div id="a31640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:338px;top:44px;">Ratio </div><div id="a31643" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:44px;">Amount </div><div id="a31646" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:504px;top:44px;">Ratio </div><div id="a31649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:579px;top:44px;">Amount </div><div id="a31652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:44px;">Ratio </div><div id="a31654" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:60px;">December 31, 2022: </div><div id="a31673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:77px;">Total<div style="display:inline-block;width:5px"> </div>risk-based capital: </div><div id="a31677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:77px;">$ </div><div id="a31679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:77px;">216,693</div><div id="a31682" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:77px;">13.58</div><div id="a31684" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:77px;">% </div><div id="a31687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:77px;">$ </div><div id="a31689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:427px;top:77px;">127,616</div><div id="a31692" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:77px;">8.00</div><div id="a31694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:77px;">% </div><div id="a31697" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:77px;">$ </div><div id="a31699" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:77px;">159,520</div><div id="a31702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:77px;">10.00</div><div id="a31704" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:77px;">% </div><div id="a31706" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:93px;">Tier 1 risk-based capital: </div><div id="a31710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:93px;">$ </div><div id="a31712" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:93px;">198,909</div><div id="a31715" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:93px;">12.47</div><div id="a31717" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:93px;">% </div><div id="a31720" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:93px;">$ </div><div id="a31722" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:93px;">95,712</div><div id="a31725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:93px;">6.00</div><div id="a31727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:93px;">% </div><div id="a31730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:93px;">$ </div><div id="a31732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:93px;">127,616</div><div id="a31735" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:93px;">8.00</div><div id="a31737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:93px;">% </div><div id="a31739" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:109px;">Common equity tier 1 capital: </div><div id="a31741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:109px;">$ </div><div id="a31743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:109px;">198,909</div><div id="a31746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:109px;">12.47</div><div id="a31748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:109px;">% </div><div id="a31751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:109px;">$ </div><div id="a31753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:109px;">71,784</div><div id="a31756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:109px;">4.50</div><div id="a31758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:109px;">% </div><div id="a31761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:109px;">$ </div><div id="a31763" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:109px;">103,688</div><div id="a31766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:109px;">6.50</div><div id="a31768" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:109px;">% </div><div id="a31770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Leverage ratio: </div><div id="a31773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:125px;">198,909</div><div id="a31776" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:125px;">9.56</div><div id="a31778" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:125px;">% </div><div id="a31781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:125px;">$ </div><div id="a31783" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:125px;">83,210</div><div id="a31786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:125px;">4.00</div><div id="a31788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:125px;">% </div><div id="a31791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:125px;">$ </div><div id="a31793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:125px;">104,012</div><div id="a31796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:125px;">5.00</div><div id="a31798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:125px;">% </div><div id="a31818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:156px;">December 31, 2021: </div><div id="a31819" style="position:absolute;font-family:'Arial';font-size:8px;font-weight:bold;font-style:normal;color:#000000;left:120px;top:156px;">(1)</div><div id="a31838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:175px;">Total<div style="display:inline-block;width:5px"> </div>risk-based capital </div><div id="a31842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:175px;">$ </div><div id="a31844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:175px;">186,735</div><div id="a31847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:175px;">14.92</div><div id="a31849" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:175px;">% </div><div id="a31852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:175px;">$ </div><div id="a31854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:427px;top:175px;">100,125</div><div id="a31857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:175px;">8.00</div><div id="a31859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:175px;">% </div><div id="a31862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:175px;">$ </div><div id="a31864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:175px;">125,157</div><div id="a31867" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:175px;">10.00</div><div id="a31869" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:175px;">% </div><div id="a31871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Tier 1 risk-based capital </div><div id="a31875" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:191px;">$ </div><div id="a31877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:191px;">171,484</div><div id="a31880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:191px;">13.70</div><div id="a31882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:191px;">% </div><div id="a31885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:191px;">$ </div><div id="a31887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:191px;">75,094</div><div id="a31890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:191px;">6.00</div><div id="a31892" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:191px;">% </div><div id="a31895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:191px;">$ </div><div id="a31897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:191px;">100,125</div><div id="a31900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:191px;">8.00</div><div id="a31902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:191px;">% </div><div id="a31904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:207px;">Common equity tier 1 capital </div><div id="a31906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:207px;">$ </div><div id="a31908" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:207px;">171,484</div><div id="a31911" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:207px;">13.70</div><div id="a31913" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:207px;">% </div><div id="a31916" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:207px;">$ </div><div id="a31918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:207px;">56,321</div><div id="a31921" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:207px;">4.50</div><div id="a31923" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:207px;">% </div><div id="a31926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:207px;">$ </div><div id="a31928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:207px;">81,352</div><div id="a31931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:207px;">6.50</div><div id="a31933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:207px;">% </div><div id="a31935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:223px;">Leverage ratio </div><div id="a31937" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:223px;">$ </div><div id="a31939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:223px;">171,484</div><div id="a31942" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:223px;">9.55</div><div id="a31944" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:223px;">% </div><div id="a31947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:223px;">$ </div><div id="a31949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:223px;">71,825</div><div id="a31952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:223px;">4.00</div><div id="a31954" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:223px;">% </div><div id="a31957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:223px;">$ </div><div id="a31959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:223px;">89,781</div><div id="a31962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:223px;">5.00</div><div id="a31964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:223px;">%</div></div> 0.025 <div id="TextBlockContainer754" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:237px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_752_XBRL_TS_3a6ba7c086e849c892789d7222f9738a" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer753" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:730px;height:237px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a31625" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:294px;top:28px;">Actual </div><div id="a31628" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:430px;top:14px;">Minimum Capital </div><div id="a31629" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:438px;top:28px;">Requirements<div style="display:inline-block;width:3px"> </div></div><div id="a31632" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:581px;top:0px;">To be Well Capitalized </div><div id="a31633" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:573px;top:14px;">Under Prompt Corrective </div><div id="a31634" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:593px;top:28px;">Action Provisions </div><div id="a31637" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:247px;top:44px;">Amount </div><div id="a31640" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:338px;top:44px;">Ratio </div><div id="a31643" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:413px;top:44px;">Amount </div><div id="a31646" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:504px;top:44px;">Ratio </div><div id="a31649" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:579px;top:44px;">Amount </div><div id="a31652" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:670px;top:44px;">Ratio </div><div id="a31654" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:60px;">December 31, 2022: </div><div id="a31673" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:77px;">Total<div style="display:inline-block;width:5px"> </div>risk-based capital: </div><div id="a31677" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:77px;">$ </div><div id="a31679" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:77px;">216,693</div><div id="a31682" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:77px;">13.58</div><div id="a31684" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:77px;">% </div><div id="a31687" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:77px;">$ </div><div id="a31689" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:427px;top:77px;">127,616</div><div id="a31692" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:77px;">8.00</div><div id="a31694" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:77px;">% </div><div id="a31697" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:77px;">$ </div><div id="a31699" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:77px;">159,520</div><div id="a31702" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:77px;">10.00</div><div id="a31704" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:77px;">% </div><div id="a31706" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:93px;">Tier 1 risk-based capital: </div><div id="a31710" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:93px;">$ </div><div id="a31712" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:93px;">198,909</div><div id="a31715" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:93px;">12.47</div><div id="a31717" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:93px;">% </div><div id="a31720" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:93px;">$ </div><div id="a31722" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:93px;">95,712</div><div id="a31725" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:93px;">6.00</div><div id="a31727" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:93px;">% </div><div id="a31730" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:93px;">$ </div><div id="a31732" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:93px;">127,616</div><div id="a31735" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:93px;">8.00</div><div id="a31737" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:93px;">% </div><div id="a31739" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:109px;">Common equity tier 1 capital: </div><div id="a31741" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:109px;">$ </div><div id="a31743" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:109px;">198,909</div><div id="a31746" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:109px;">12.47</div><div id="a31748" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:109px;">% </div><div id="a31751" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:109px;">$ </div><div id="a31753" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:109px;">71,784</div><div id="a31756" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:109px;">4.50</div><div id="a31758" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:109px;">% </div><div id="a31761" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:109px;">$ </div><div id="a31763" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:109px;">103,688</div><div id="a31766" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:109px;">6.50</div><div id="a31768" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:109px;">% </div><div id="a31770" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:125px;">Leverage ratio: </div><div id="a31773" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:125px;">198,909</div><div id="a31776" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:125px;">9.56</div><div id="a31778" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:125px;">% </div><div id="a31781" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:125px;">$ </div><div id="a31783" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:125px;">83,210</div><div id="a31786" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:125px;">4.00</div><div id="a31788" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:125px;">% </div><div id="a31791" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:125px;">$ </div><div id="a31793" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:125px;">104,012</div><div id="a31796" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:125px;">5.00</div><div id="a31798" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:125px;">% </div><div id="a31818" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:156px;">December 31, 2021: </div><div id="a31819" style="position:absolute;font-family:'Arial';font-size:8px;font-weight:bold;font-style:normal;color:#000000;left:120px;top:156px;">(1)</div><div id="a31838" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:175px;">Total<div style="display:inline-block;width:5px"> </div>risk-based capital </div><div id="a31842" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:175px;">$ </div><div id="a31844" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:175px;">186,735</div><div id="a31847" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:175px;">14.92</div><div id="a31849" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:175px;">% </div><div id="a31852" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:175px;">$ </div><div id="a31854" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:427px;top:175px;">100,125</div><div id="a31857" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:175px;">8.00</div><div id="a31859" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:175px;">% </div><div id="a31862" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:175px;">$ </div><div id="a31864" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:175px;">125,157</div><div id="a31867" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:676px;top:175px;">10.00</div><div id="a31869" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:175px;">% </div><div id="a31871" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Tier 1 risk-based capital </div><div id="a31875" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:191px;">$ </div><div id="a31877" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:191px;">171,484</div><div id="a31880" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:191px;">13.70</div><div id="a31882" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:191px;">% </div><div id="a31885" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:191px;">$ </div><div id="a31887" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:191px;">75,094</div><div id="a31890" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:191px;">6.00</div><div id="a31892" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:191px;">% </div><div id="a31895" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:191px;">$ </div><div id="a31897" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:191px;">100,125</div><div id="a31900" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:191px;">8.00</div><div id="a31902" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:191px;">% </div><div id="a31904" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:207px;">Common equity tier 1 capital </div><div id="a31906" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:207px;">$ </div><div id="a31908" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:207px;">171,484</div><div id="a31911" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:344px;top:207px;">13.70</div><div id="a31913" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:207px;">% </div><div id="a31916" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:207px;">$ </div><div id="a31918" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:207px;">56,321</div><div id="a31921" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:207px;">4.50</div><div id="a31923" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:207px;">% </div><div id="a31926" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:207px;">$ </div><div id="a31928" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:207px;">81,352</div><div id="a31931" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:207px;">6.50</div><div id="a31933" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:207px;">% </div><div id="a31935" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:223px;">Leverage ratio </div><div id="a31937" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:232px;top:223px;">$ </div><div id="a31939" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:261px;top:223px;">171,484</div><div id="a31942" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:351px;top:223px;">9.55</div><div id="a31944" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:223px;">% </div><div id="a31947" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:397px;top:223px;">$ </div><div id="a31949" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:434px;top:223px;">71,825</div><div id="a31952" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:517px;top:223px;">4.00</div><div id="a31954" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:545px;top:223px;">% </div><div id="a31957" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:223px;">$ </div><div id="a31959" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:600px;top:223px;">89,781</div><div id="a31962" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:683px;top:223px;">5.00</div><div id="a31964" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:223px;">%</div></div></div></div> 216693000 0.1358 127616000 0.0800 159520000 0.1000 198909000 0.1247 95712000 0.0600 127616000 0.0800 198909000 0.1247 71784000 0.0450 103688000 0.0650 198909000 0.0956 83210000 0.0400 104012000 0.0500 186735000 0.1492 100125000 0.0800 125157000 0.1000 171484000 0.1370 75094000 0.0600 100125000 0.0800 171484000 0.1370 56321000 0.0450 81352000 0.0650 171484000 0.0955 71825000 0.0400 89781000 0.0500 1.00 <div id="TextBlockContainer758" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:81px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32026" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">16.<div style="display:inline-block;width:30px"> </div>RELATED PARTY<div style="display:inline-block;width:6px"> </div>TRANSACTIONS<div style="display:inline-block;width:4px"> </div></div><div id="a32032" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">In<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>ordinary<div style="display:inline-block;width:6px"> </div>course<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>business,<div style="display:inline-block;width:6px"> </div>principal<div style="display:inline-block;width:6px"> </div>officers,<div style="display:inline-block;width:6px"> </div>directors,<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>affiliates<div style="display:inline-block;width:6px"> </div>may<div style="display:inline-block;width:6px"> </div>engage<div style="display:inline-block;width:6px"> </div>in<div style="display:inline-block;width:6px"> </div>transactions<div style="display:inline-block;width:6px"> </div>with<div style="display:inline-block;width:6px"> </div>the </div><div id="a32041" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">Company.<div style="display:inline-block;width:7px"> </div>The<div style="display:inline-block;width:6px"> </div>following<div style="display:inline-block;width:6px"> </div>table<div style="display:inline-block;width:6px"> </div>presents<div style="display:inline-block;width:7px"> </div>loans<div style="display:inline-block;width:6px"> </div>to<div style="display:inline-block;width:6px"> </div>and<div style="display:inline-block;width:6px"> </div>deposits<div style="display:inline-block;width:6px"> </div>from<div style="display:inline-block;width:7px"> </div>related<div style="display:inline-block;width:6px"> </div>parties<div style="display:inline-block;width:6px"> </div>included<div style="display:inline-block;width:7px"> </div>within<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>accompanying </div><div id="a32048" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">Consolidated Financial Statements at December<div style="display:inline-block;width:5px"> </div>31, 2022 and 2021 (in thousands):</div></div><div id="TextBlockContainer764" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32136" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:italic;color:#000000;left:29px;top:0px;">Loan Purchases</div><div id="a32139" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:31px;"><div style="display:inline-block;width:7px"> </div>During 2022, the Bank purchased $</div><div id="a32139_35_4" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:245px;top:31px;">42.8</div><div id="a32139_39_81" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:271px;top:31px;"><div style="display:inline-block;width:3px"> </div>million of loans from entities that are deemed to<div style="display:inline-block;width:2px"> </div>be related parties.<div style="display:inline-block;width:7px"> </div>The Bank </div><div id="a32145" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">paid those entities fees of $</div><div id="a32145_29_3" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:167px;top:46px;">881</div><div id="a32145_32_10" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:189px;top:46px;"><div style="display:inline-block;width:4px"> </div>thousand.</div></div><div id="TextBlockContainer762" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:127px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_760_XBRL_TS_4efeb63571be405185a517f4eb5280b6" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer761" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:127px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:546px;top:0px;">2022 </div><div id="a32068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:658px;top:0px;">2021 </div><div id="a32070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Consolidated Balance Sheets: </div><div id="a32077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Loans held for investment, net<div style="display:inline-block;width:3px"> </div></div><div id="a32079" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:32px;">$ </div><div id="a32081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:32px;-sec-ix-hidden:ID_99;">-</div><div id="a32084" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:32px;">$ </div><div id="a32086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;-sec-ix-hidden:ID_100;">-</div><div id="a32088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Deposits </div><div id="a32090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:48px;">$ </div><div id="a32092" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:578px;top:48px;">6,825</div><div id="a32095" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:48px;">$ </div><div id="a32097" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">1,905</div><div id="a32105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:79px;">Consolidated Statements of Operations: </div><div id="a32112" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Interest income </div><div id="a32114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:96px;">$ </div><div id="a32116" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:96px;-sec-ix-hidden:ID_103;">-</div><div id="a32119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:96px;">$ </div><div id="a32121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:96px;-sec-ix-hidden:ID_104;">-</div><div id="a32123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Interest expense </div><div id="a32125" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:112px;">$ </div><div id="a32127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:595px;top:112px;">54</div><div id="a32130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:112px;">$ </div><div id="a32132" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:112px;">16</div></div></div></div> <div id="TextBlockContainer761" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:725px;height:127px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32065" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:546px;top:0px;">2022 </div><div id="a32068" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:658px;top:0px;">2021 </div><div id="a32070" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">Consolidated Balance Sheets: </div><div id="a32077" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Loans held for investment, net<div style="display:inline-block;width:3px"> </div></div><div id="a32079" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:32px;">$ </div><div id="a32081" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:32px;-sec-ix-hidden:ID_99;">-</div><div id="a32084" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:32px;">$ </div><div id="a32086" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;-sec-ix-hidden:ID_100;">-</div><div id="a32088" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Deposits </div><div id="a32090" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:48px;">$ </div><div id="a32092" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:578px;top:48px;">6,825</div><div id="a32095" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:48px;">$ </div><div id="a32097" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:690px;top:48px;">1,905</div><div id="a32105" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:79px;">Consolidated Statements of Operations: </div><div id="a32112" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:95px;">Interest income </div><div id="a32114" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:96px;">$ </div><div id="a32116" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:605px;top:96px;-sec-ix-hidden:ID_103;">-</div><div id="a32119" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:96px;">$ </div><div id="a32121" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:96px;-sec-ix-hidden:ID_104;">-</div><div id="a32123" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Interest expense </div><div id="a32125" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:505px;top:112px;">$ </div><div id="a32127" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:595px;top:112px;">54</div><div id="a32130" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:618px;top:112px;">$ </div><div id="a32132" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:707px;top:112px;">16</div></div> 6825000 1905000 54000 16000 42800000 881000 <div id="TextBlockContainer766" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:81px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32151" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">17.<div style="display:inline-block;width:30px"> </div>PARENT COMPANY<div style="display:inline-block;width:6px"> </div>CONDENSED FINANCIAL INFORMATION<div style="display:inline-block;width:6px"> </div></div><div id="a32159" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">In December<div style="display:inline-block;width:6px"> </div>2021, USCB<div style="display:inline-block;width:6px"> </div>Financial Holdings,<div style="display:inline-block;width:6px"> </div>Inc. was<div style="display:inline-block;width:6px"> </div>formed as<div style="display:inline-block;width:6px"> </div>the parent<div style="display:inline-block;width:5px"> </div>bank holding<div style="display:inline-block;width:6px"> </div>company of<div style="display:inline-block;width:6px"> </div>U.S. Century </div><div id="a32160" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">Bank.<div style="display:inline-block;width:6px"> </div>The<div style="display:inline-block;width:6px"> </div>condensed<div style="display:inline-block;width:6px"> </div>balance<div style="display:inline-block;width:6px"> </div>sheet<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>presented<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>USCB<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:6px"> </div>Holdings,<div style="display:inline-block;width:6px"> </div>Inc.<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>dates<div style="display:inline-block;width:6px"> </div>indicated<div style="display:inline-block;width:6px"> </div>(in </div><div id="a32162" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">thousands):</div></div><div id="TextBlockContainer769" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:179px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:0px;">December 31, 2022 </div><div id="a32169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:604px;top:0px;">December 31, 2021 </div><div id="a32171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">ASSETS: </div><div id="a32178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Cash and Cash Equivalents </div><div id="a32180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:32px;">$ </div><div id="a32182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:32px;">1,102</div><div id="a32185" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:32px;">$ </div><div id="a32187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;">- </div><div id="a32189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Investment in bank subsidiary </div><div id="a32191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:48px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32193" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:48px;">181,326</div><div id="a32196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:48px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32198" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:48px;">203,897</div><div id="a32200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Other assets </div><div id="a32203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:64px;-sec-ix-hidden:ID_111;">-</div><div id="a32207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:64px;-sec-ix-hidden:ID_112;">-</div><div id="a32209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>assets </div><div id="a32211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:81px;">$ </div><div id="a32213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:81px;">182,428</div><div id="a32216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:81px;">$ </div><div id="a32218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:81px;">203,897</div><div id="a32226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:113px;">LIABILITIES AND STOCKHOLDERS' EQUITY: </div><div id="a32234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:129px;">Other liabilities </div><div id="a32236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:130px;">$ </div><div id="a32238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:130px;-sec-ix-hidden:ID_115;">-</div><div id="a32241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:130px;">$ </div><div id="a32243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:130px;-sec-ix-hidden:ID_116;">-</div><div id="a32245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:145px;">Stockholders' equity </div><div id="a32248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:146px;">182,428</div><div id="a32252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:146px;">203,897</div><div id="a32254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:162px;">Total<div style="display:inline-block;width:5px"> </div>liabilities and stockholders' equity </div><div id="a32256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:163px;">$ </div><div id="a32258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:163px;">182,428</div><div id="a32261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:163px;">$ </div><div id="a32263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">203,897</div></div><div id="TextBlockContainer775" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:224px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:465px;top:0px;">December 31, 2022 </div><div id="a32295" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:602px;top:0px;">December 31, 2021 </div><div id="a32297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">INCOME: </div><div id="a32304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Dividends from subsidiaries </div><div id="a32306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:32px;">$ </div><div id="a32308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:32px;">1,000</div><div id="a32311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:32px;">$ </div><div id="a32313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:32px;-sec-ix-hidden:ID_1556;">-</div><div id="a32315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Service fees from subsidiaries </div><div id="a32318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:48px;-sec-ix-hidden:ID_1557;">-</div><div id="a32322" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:48px;-sec-ix-hidden:ID_1558;">-</div><div id="a32324" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Total </div><div id="a32326" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:64px;">$ </div><div id="a32328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:64px;">1,000</div><div id="a32331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:64px;">$ </div><div id="a32333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:64px;-sec-ix-hidden:ID_1560;">-</div><div id="a32341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:95px;">EXPENSE: </div><div id="a32348" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Employee compensation and benefits </div><div id="a32350" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:112px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:112px;-sec-ix-hidden:ID_1561;">-</div><div id="a32355" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:112px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:112px;-sec-ix-hidden:ID_1562;">-</div><div id="a32359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">Total </div><div id="a32362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;-sec-ix-hidden:ID_1563;">-</div><div id="a32366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:128px;-sec-ix-hidden:ID_1564;">-</div><div id="a32374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:159px;">Income before income taxes and undistributed subsidiary income </div><div id="a32377" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:160px;">1,000</div><div id="a32382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:175px;">Provision (benefit) for income taxes </div><div id="a32385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:176px;-sec-ix-hidden:ID_1566;">-</div><div id="a32389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:176px;-sec-ix-hidden:ID_1567;">-</div><div id="a32391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Equity in undisbursed subsidiary income </div><div id="a32394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:192px;">19,141</div><div id="a32399" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:208px;">Net Income<div style="display:inline-block;width:3px"> </div></div><div id="a32401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:209px;">$ </div><div id="a32403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:209px;">20,141</div><div id="a32406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:209px;">$ </div><div id="a32408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:209px;-sec-ix-hidden:ID_1534;">-</div></div><div id="TextBlockContainer782" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:328px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_780_XBRL_TS_44459b32cc3f4d56bc81f58bb15c6392" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer781" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:328px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:0px;">December 31, 2022 </div><div id="a32431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:604px;top:0px;">December 31, 2021 </div><div id="a32433" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:16px;">Cash flows from operating activities: </div><div id="a32440" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:33px;">Net income </div><div id="a32442" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:34px;">$ </div><div id="a32444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:34px;">20,141</div><div id="a32447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:34px;">$ </div><div id="a32449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:34px;-sec-ix-hidden:ID_1534A;">-</div><div id="a32451" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">Adjustments to reconcile net income to net cash provided<div style="display:inline-block;width:5px"> </div>by operating </div><div id="a32453" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">activities: </div><div id="a32459" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:51px;">- </div><div id="a32461" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:67px;">Equity in undistributed earnings of subsidiaries </div><div id="a32464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:68px;display:flex;">(19,141)</div><div id="a32468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:68px;-sec-ix-hidden:ID_1531;">-</div><div id="a32470" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:84px;">Other </div><div id="a32476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:85px;-sec-ix-hidden:ID_1532;">-</div><div id="a32478" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:102px;">Net cash provided by operating activities </div><div id="a32480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:103px;">$ </div><div id="a32482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:103px;">1,000</div><div id="a32485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:103px;">$ </div><div id="a32487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:103px;-sec-ix-hidden:ID_1533;">-</div><div id="a32489" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:120px;">Cash flows from investing activities: </div><div id="a32498" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:137px;">Capital contributions to subsidiary </div><div id="a32501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:138px;-sec-ix-hidden:ID_1535;">-</div><div id="a32505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:138px;-sec-ix-hidden:ID_1536;">-</div><div id="a32507" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:154px;">Other </div><div id="a32510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:155px;-sec-ix-hidden:ID_1537;">-</div><div id="a32514" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:155px;-sec-ix-hidden:ID_1538;">-</div><div id="a32516" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:172px;">Net cash used in investing activities<div style="display:inline-block;width:5px"> </div></div><div id="a32519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:173px;-sec-ix-hidden:ID_1539;">-</div><div id="a32523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:173px;-sec-ix-hidden:ID_1540;">-</div><div id="a32525" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:190px;">Cash flows from financing activities: </div><div id="a32534" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:207px;">Dividends paid </div><div id="a32537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:208px;-sec-ix-hidden:ID_1541;">-</div><div id="a32541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:208px;-sec-ix-hidden:ID_1542;">-</div><div id="a32543" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:224px;">Proceeds from exercise of stock options </div><div id="a32546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:225px;">102</div><div id="a32550" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:225px;-sec-ix-hidden:ID_1544;">-</div><div id="a32552" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">Repurchase of common stock </div><div id="a32555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:242px;-sec-ix-hidden:ID_1545;">-</div><div id="a32559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:242px;-sec-ix-hidden:ID_1546;">-</div><div id="a32561" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:259px;">Net cash (used in) provided by financing activities </div><div id="a32564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:260px;">102</div><div id="a32568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:260px;-sec-ix-hidden:ID_1548;">-</div><div id="a32570" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:277px;">Net increase (decrease) in cash and cash equivalents<div style="display:inline-block;width:5px"> </div></div><div id="a32574" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:278px;">1,102</div><div id="a32578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:278px;-sec-ix-hidden:ID_1550;">-</div><div id="a32580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:294px;">Cash and cash equivalents, beginning of period<div style="display:inline-block;width:5px"> </div></div><div id="a32583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:295px;-sec-ix-hidden:ID_1551;">-</div><div id="a32587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:295px;-sec-ix-hidden:ID_1552;">-</div><div id="a32589" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:312px;">Cash and cash equivalents, end of period<div style="display:inline-block;width:5px"> </div></div><div id="a32591" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:313px;">$ </div><div id="a32593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:313px;">1,102</div><div id="a32596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:313px;">$ </div><div id="a32598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:313px;-sec-ix-hidden:ID_1554;">-</div></div></div></div><div id="TextBlockContainer772" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:32px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32286" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">The<div style="display:inline-block;width:6px"> </div>condensed<div style="display:inline-block;width:6px"> </div>income<div style="display:inline-block;width:6px"> </div>statement<div style="display:inline-block;width:6px"> </div>is<div style="display:inline-block;width:6px"> </div>presented<div style="display:inline-block;width:6px"> </div>below<div style="display:inline-block;width:6px"> </div>for<div style="display:inline-block;width:6px"> </div>USCB<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:6px"> </div>Holdings,<div style="display:inline-block;width:6px"> </div>Inc.<div style="display:inline-block;width:6px"> </div>at<div style="display:inline-block;width:6px"> </div>the<div style="display:inline-block;width:6px"> </div>dates<div style="display:inline-block;width:6px"> </div>indicated<div style="display:inline-block;width:6px"> </div>(in </div><div id="a32288" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">thousands):</div></div><div id="TextBlockContainer778" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:701px;height:17px;display:inline-block;"><div id="a32423" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:0px;">The condensed cash flow is presented below for USCB<div style="display:inline-block;width:5px"> </div>Financial Holdings, Inc. at the dates indicated (in thousands):</div></div> <div id="TextBlockContainer770" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:179px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_768_XBRL_TS_35012dd1b2bd4770bbeb72811738aa44" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer769" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:179px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32166" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:0px;">December 31, 2022 </div><div id="a32169" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:604px;top:0px;">December 31, 2021 </div><div id="a32171" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">ASSETS: </div><div id="a32178" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Cash and Cash Equivalents </div><div id="a32180" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:32px;">$ </div><div id="a32182" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:32px;">1,102</div><div id="a32185" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:32px;">$ </div><div id="a32187" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:32px;">- </div><div id="a32189" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Investment in bank subsidiary </div><div id="a32191" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:48px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32193" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:48px;">181,326</div><div id="a32196" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:48px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32198" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:48px;">203,897</div><div id="a32200" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">Other assets </div><div id="a32203" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:64px;-sec-ix-hidden:ID_111;">-</div><div id="a32207" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:64px;-sec-ix-hidden:ID_112;">-</div><div id="a32209" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:80px;">Total<div style="display:inline-block;width:5px"> </div>assets </div><div id="a32211" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:81px;">$ </div><div id="a32213" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:81px;">182,428</div><div id="a32216" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:81px;">$ </div><div id="a32218" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:81px;">203,897</div><div id="a32226" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:113px;">LIABILITIES AND STOCKHOLDERS' EQUITY: </div><div id="a32234" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:129px;">Other liabilities </div><div id="a32236" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:130px;">$ </div><div id="a32238" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:130px;-sec-ix-hidden:ID_115;">-</div><div id="a32241" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:130px;">$ </div><div id="a32243" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:130px;-sec-ix-hidden:ID_116;">-</div><div id="a32245" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:145px;">Stockholders' equity </div><div id="a32248" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:146px;">182,428</div><div id="a32252" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:146px;">203,897</div><div id="a32254" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:162px;">Total<div style="display:inline-block;width:5px"> </div>liabilities and stockholders' equity </div><div id="a32256" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:163px;">$ </div><div id="a32258" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:540px;top:163px;">182,428</div><div id="a32261" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:163px;">$ </div><div id="a32263" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:677px;top:163px;">203,897</div></div></div></div> 1102000 181326000 203897000 182428000 203897000 182428000 203897000 182428000 203897000 <div id="TextBlockContainer776" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:224px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="div_774_XBRL_TS_267a00782819466ca3a3e3aff3764149" style="position:absolute;left:0px;top:0px;float:left;"><div id="TextBlockContainer775" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:720px;height:224px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32292" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:465px;top:0px;">December 31, 2022 </div><div id="a32295" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:602px;top:0px;">December 31, 2021 </div><div id="a32297" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:15px;">INCOME: </div><div id="a32304" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:31px;">Dividends from subsidiaries </div><div id="a32306" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:32px;">$ </div><div id="a32308" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:32px;">1,000</div><div id="a32311" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:32px;">$ </div><div id="a32313" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:32px;-sec-ix-hidden:ID_1556;">-</div><div id="a32315" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:47px;">Service fees from subsidiaries </div><div id="a32318" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:48px;-sec-ix-hidden:ID_1557;">-</div><div id="a32322" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:48px;-sec-ix-hidden:ID_1558;">-</div><div id="a32324" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:64px;">Total </div><div id="a32326" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:64px;">$ </div><div id="a32328" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:64px;">1,000</div><div id="a32331" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:64px;">$ </div><div id="a32333" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:64px;-sec-ix-hidden:ID_1560;">-</div><div id="a32341" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:95px;">EXPENSE: </div><div id="a32348" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:111px;">Employee compensation and benefits </div><div id="a32350" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:112px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32352" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:112px;-sec-ix-hidden:ID_1561;">-</div><div id="a32355" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:112px;"><div style="display:inline-block;width:3px"> </div></div><div id="a32357" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:112px;-sec-ix-hidden:ID_1562;">-</div><div id="a32359" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:128px;">Total </div><div id="a32362" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:128px;-sec-ix-hidden:ID_1563;">-</div><div id="a32366" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:128px;-sec-ix-hidden:ID_1564;">-</div><div id="a32374" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:159px;">Income before income taxes and undistributed subsidiary income </div><div id="a32377" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:548px;top:160px;">1,000</div><div id="a32382" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:175px;">Provision (benefit) for income taxes </div><div id="a32385" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:574px;top:176px;-sec-ix-hidden:ID_1566;">-</div><div id="a32389" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:176px;-sec-ix-hidden:ID_1567;">-</div><div id="a32391" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:191px;">Equity in undisbursed subsidiary income </div><div id="a32394" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:192px;">19,141</div><div id="a32399" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:208px;">Net Income<div style="display:inline-block;width:3px"> </div></div><div id="a32401" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:455px;top:209px;">$ </div><div id="a32403" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:541px;top:209px;">20,141</div><div id="a32406" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:209px;">$ </div><div id="a32408" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:711px;top:209px;-sec-ix-hidden:ID_1534;">-</div></div></div></div> 1000000 1000000 1000000 19141000 20141000 <div id="TextBlockContainer781" style="position:relative;font-family:'Arial';font-size:12px;color:#000000;line-height:normal;width:729px;height:328px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32428" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:467px;top:0px;">December 31, 2022 </div><div id="a32431" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:bold;font-style:normal;color:#000000;left:604px;top:0px;">December 31, 2021 </div><div id="a32433" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:16px;">Cash flows from operating activities: </div><div id="a32440" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:33px;">Net income </div><div id="a32442" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:34px;">$ </div><div id="a32444" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:547px;top:34px;">20,141</div><div id="a32447" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:34px;">$ </div><div id="a32449" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:34px;-sec-ix-hidden:ID_1534A;">-</div><div id="a32451" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:48px;">Adjustments to reconcile net income to net cash provided<div style="display:inline-block;width:5px"> </div>by operating </div><div id="a32453" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:63px;">activities: </div><div id="a32459" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:51px;">- </div><div id="a32461" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:67px;">Equity in undistributed earnings of subsidiaries </div><div id="a32464" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:543px;top:68px;display:flex;">(19,141)</div><div id="a32468" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:68px;-sec-ix-hidden:ID_1531;">-</div><div id="a32470" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:84px;">Other </div><div id="a32476" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:85px;-sec-ix-hidden:ID_1532;">-</div><div id="a32478" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:102px;">Net cash provided by operating activities </div><div id="a32480" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:103px;">$ </div><div id="a32482" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:103px;">1,000</div><div id="a32485" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:103px;">$ </div><div id="a32487" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:103px;-sec-ix-hidden:ID_1533;">-</div><div id="a32489" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:120px;">Cash flows from investing activities: </div><div id="a32498" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:137px;">Capital contributions to subsidiary </div><div id="a32501" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:138px;-sec-ix-hidden:ID_1535;">-</div><div id="a32505" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:138px;-sec-ix-hidden:ID_1536;">-</div><div id="a32507" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:4px;top:154px;">Other </div><div id="a32510" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:155px;-sec-ix-hidden:ID_1537;">-</div><div id="a32514" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:155px;-sec-ix-hidden:ID_1538;">-</div><div id="a32516" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:23px;top:172px;">Net cash used in investing activities<div style="display:inline-block;width:5px"> </div></div><div id="a32519" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:173px;-sec-ix-hidden:ID_1539;">-</div><div id="a32523" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:173px;-sec-ix-hidden:ID_1540;">-</div><div id="a32525" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:4px;top:190px;">Cash flows from financing activities: </div><div id="a32534" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:207px;">Dividends paid </div><div id="a32537" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:208px;-sec-ix-hidden:ID_1541;">-</div><div id="a32541" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:208px;-sec-ix-hidden:ID_1542;">-</div><div id="a32543" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:224px;">Proceeds from exercise of stock options </div><div id="a32546" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:225px;">102</div><div id="a32550" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:225px;-sec-ix-hidden:ID_1544;">-</div><div id="a32552" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:241px;">Repurchase of common stock </div><div id="a32555" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:242px;-sec-ix-hidden:ID_1545;">-</div><div id="a32559" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:242px;-sec-ix-hidden:ID_1546;">-</div><div id="a32561" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:259px;">Net cash (used in) provided by financing activities </div><div id="a32564" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:564px;top:260px;">102</div><div id="a32568" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:260px;-sec-ix-hidden:ID_1548;">-</div><div id="a32570" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:277px;">Net increase (decrease) in cash and cash equivalents<div style="display:inline-block;width:5px"> </div></div><div id="a32574" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:278px;">1,102</div><div id="a32578" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:278px;-sec-ix-hidden:ID_1550;">-</div><div id="a32580" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:294px;">Cash and cash equivalents, beginning of period<div style="display:inline-block;width:5px"> </div></div><div id="a32583" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:580px;top:295px;-sec-ix-hidden:ID_1551;">-</div><div id="a32587" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:295px;-sec-ix-hidden:ID_1552;">-</div><div id="a32589" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:13px;top:312px;">Cash and cash equivalents, end of period<div style="display:inline-block;width:5px"> </div></div><div id="a32591" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:456px;top:313px;">$ </div><div id="a32593" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:553px;top:313px;">1,102</div><div id="a32596" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:593px;top:313px;">$ </div><div id="a32598" style="position:absolute;font-family:'Arial';font-size:12px;font-weight:normal;font-style:normal;color:#000000;left:717px;top:313px;-sec-ix-hidden:ID_1554;">-</div></div> 20141000 19141000 1000000 102000 102000 1102000 1102000 <div id="TextBlockContainer784" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:81px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32601" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">18.<div style="display:inline-block;width:18px"> </div>LOSS CONTINGENCIES<div style="display:inline-block;width:4px"> </div></div><div id="a32610" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">Loss contingencies,<div style="display:inline-block;width:5px"> </div>including claims<div style="display:inline-block;width:5px"> </div>and legal actions<div style="display:inline-block;width:6px"> </div>may arise<div style="display:inline-block;width:5px"> </div>in the ordinary<div style="display:inline-block;width:6px"> </div>course of<div style="display:inline-block;width:5px"> </div>business. In<div style="display:inline-block;width:5px"> </div>the opinion<div style="display:inline-block;width:5px"> </div>of </div><div id="a32612" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">management, none<div style="display:inline-block;width:5px"> </div>of these<div style="display:inline-block;width:5px"> </div>actions, either<div style="display:inline-block;width:5px"> </div>individually or<div style="display:inline-block;width:5px"> </div>in the aggregate,<div style="display:inline-block;width:6px"> </div>is expected<div style="display:inline-block;width:5px"> </div>to have<div style="display:inline-block;width:5px"> </div>a material<div style="display:inline-block;width:5px"> </div>adverse effect </div><div id="a32622" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:65px;">on the Company’s Consolidated Financial Statements.</div></div> <div id="TextBlockContainer786" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:112px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32632" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:0px;">19.<div style="display:inline-block;width:30px"> </div>SUBSEQUENT EVENTS<div style="display:inline-block;width:4px"> </div></div><div id="a32638" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:34px;">Management has<div style="display:inline-block;width:5px"> </div>evaluated subsequent<div style="display:inline-block;width:5px"> </div>events from<div style="display:inline-block;width:5px"> </div>January 1,<div style="display:inline-block;width:5px"> </div>2023 through<div style="display:inline-block;width:5px"> </div>March 24,<div style="display:inline-block;width:5px"> </div>2023, which<div style="display:inline-block;width:5px"> </div>is the<div style="display:inline-block;width:5px"> </div>date this </div><div id="a32649" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:49px;">Annual Report Form 10-K was available to be issued. </div><div id="a32654" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:bold;font-style:normal;color:#000000;left:5px;top:80px;">Share Repurchase Program </div></div><div id="TextBlockContainer788" style="position:relative;font-family:'Arial';font-size:13.28px;color:#000000;line-height:normal;width:735px;height:63px;display:inline-block;border:inherit;margin-left:-2px;margin-right:-2px;"><div id="a32678" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:29px;top:0px;">In February 2023 the<div style="display:inline-block;width:5px"> </div>Company repurchased </div><div id="a32678_41_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:297px;top:0px;">250,000</div><div id="a32678_48_61" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:345px;top:0px;"><div style="display:inline-block;width:4px"> </div>shares of USCB Financial<div style="display:inline-block;width:6px"> </div>Holdings Inc. Class<div style="display:inline-block;width:5px"> </div>A common stock </div><div id="a32684" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:15px;">at<div style="display:inline-block;width:5px"> </div>a<div style="display:inline-block;width:6px"> </div>price<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>$</div><div id="a32684_15_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:93px;top:15px;">12.04</div><div id="a32684_20_40" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:126px;top:15px;">.<div style="display:inline-block;width:6px"> </div>Additionally,<div style="display:inline-block;width:7px"> </div>the<div style="display:inline-block;width:6px"> </div>Company<div style="display:inline-block;width:6px"> </div>repurchased </div><div id="a32684_60_7" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:379px;top:15px;">250,000</div><div id="a32684_67_47" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:427px;top:15px;"><div style="display:inline-block;width:5px"> </div>shares<div style="display:inline-block;width:6px"> </div>of<div style="display:inline-block;width:6px"> </div>USCB<div style="display:inline-block;width:6px"> </div>Financial<div style="display:inline-block;width:6px"> </div>Holdings<div style="display:inline-block;width:6px"> </div>Inc<div style="display:inline-block;width:5px"> </div>Class<div style="display:inline-block;width:6px"> </div>A </div><div id="a32688" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:31px;">Common stock<div style="display:inline-block;width:6px"> </div>at a<div style="display:inline-block;width:5px"> </div>price of<div style="display:inline-block;width:5px"> </div>$</div><div id="a32688_28_5" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:183px;top:31px;">11.39</div><div id="a32688_33_81" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:216px;top:31px;"><div style="display:inline-block;width:4px"> </div>in March<div style="display:inline-block;width:5px"> </div>2023. These<div style="display:inline-block;width:6px"> </div>repurchases were<div style="display:inline-block;width:5px"> </div>made thru<div style="display:inline-block;width:5px"> </div>the open<div style="display:inline-block;width:5px"> </div>market pursuant<div style="display:inline-block;width:6px"> </div>to the </div><div id="a32693" style="position:absolute;font-family:'Arial';font-size:13.28px;font-weight:normal;font-style:normal;color:#000000;left:5px;top:46px;">Company’s publicly announced repurchase program.</div></div> 250000 12.04 250000 11.39