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text-transform: none; font-style: normal; margin-top: 0pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: bold; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">NOTE 1&#8201;&#8212;&#8201;Business and Summary of Significant Accounting Policies</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Business</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Esquire Financial Holdings, Inc. (the &#8220;Company&#8221;) is a registered bank holding company and the parent company of Esquire Bank, National Association (the &#8220;Bank&#8221;). In August of 2015, the Company and the Bank were converted from a savings and loan holding company and savings bank to a bank holding company and national bank, respectively, and the Company, formerly a Delaware corporation, was reincorporated through a merger to a Maryland corporation.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank is an independent, full-service national bank that serves the banking needs of law professionals, professional service firms, small to mid-sized businesses and individuals. The Bank was established in 2006 and began operations in October&#160;2006. The Bank&#8217;s headquarters is located in Jericho, New York. The Bank also operates a branch in Garden City, New York and an administrative office in Palm Beach Gardens, Florida.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As a full-service bank, the Bank offers checking, savings, money market and time deposits; a wide range of commercial and consumer loans, as well as customary banking services. Through electronic delivery channels, the Bank provides bill payment services, wire transfers, ACH origination, account transfers and real time deposit relationship updates. These innovative services are complimented with a full range of traditional banking products and services. While the Bank is a full-service institution available to all potential customers, the focus is marketing to law firms and other professional service firms, small to mid-sized businesses and individuals in the local community surrounding the branch office and New York boroughs in order to grow the deposit base. Additionally, due in part, to the substantial ties that many of the board members and organizers have to the legal community, the Bank concentrates most of its marketing efforts on the legal community in these areas and nationally.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank entered into the merchant service business as an acquiring bank in which credit and debit card transactions are settled on behalf of merchants. The revenue earned on behalf of merchants, net of expenses, is paid to the independent sales organizations (ISO&#8217;s). The Bank&#8217;s revenue from this transaction is shown as merchant processing income on the statements of income. Revenue is recognized when earned.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The consolidated financial statements include Esquire Financial Holdings, Inc. and its wholly owned subsidiary, Esquire Bank, N.A. and are referred to as &#8220;the Company.&#8221; Intercompany transactions and balances are eliminated in consolidation.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Common Stock Issuances</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">On June 30, 2017, we completed our initial public offering (&#8220;IPO&#8221;) and sold 1,800,000 shares of common stock. We received aggregate net proceeds of approximately $21,741, after deducting underwriting discount and other offering related expenses. On July&#160;20, 2017 we sold 354,580 additional shares of common stock at the public offering price of $14.00 per share pursuant to the underwriter's over-allotment options. The net proceeds after deducting the underwriting discount and other offering related expenses were approximately $4,600.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">During 2015, the Company sold 823,460 shares of common stock through a private placement offering for total proceeds, net of offering costs, of&#8201; $9,800.</div> </div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basis of Presentation and Use of Estimates</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The accounting and financial reporting policies are in conformity with U.S. generally accepted accounting principles (GAAP). The preparation of financial statements requires that management make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. Such estimates are subject to change in the future as additional information becomes available or previously existing circumstances are modified. Actual results could differ from those estimates.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Statement of Cash Flows</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">For purposes of the accompanying statements of cash flows, cash and cash equivalents are defined as the amounts included in the consolidated statements of financial condition under the captions &#8220;Cash and cash equivalents&#8221;, with contractual maturities of less than 90&#160;days. Net cash flows are reported for customer loan and deposit transactions.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Securities</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">All securities are classified as available-for-sale and carried at fair value. Unrealized gains and losses on these securities are reported, net of applicable taxes, as a separate component of accumulated other comprehensive income (loss), a component of stockholders&#8217; equity.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest income on securities, including amortization of premiums and accretion of discounts, is recognized using the level yield method without anticipating prepayments (except for mortgage-backed securities where prepayments are anticipated) over the lives of the individual securities. Realized gains and losses on sales of securities are computed using the specific identification method.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans that management has the intent and ability to hold for the foreseeable future until maturity or payoff are stated at the principal amount outstanding, net of deferred loan fees and costs for originated loans and net of unamortized premiums or discounts for purchased loans. Interest income is recognized using the level yield method. Net deferred loan fees, origination costs, unamortized premiums or discounts are recognized in interest income over the loan term as a yield adjustment.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Non-Accrual</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Interest income on mortgage and commercial loans is discontinued at the time the loan is 90&#160;days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120&#160;days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90&#160;days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with the Company&#8217;s policy, typically after 90&#160;days of non-payment.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Provision and Allowance for Loan Losses</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance for loan losses is a valuation allowance for probable incurred credit losses. The allowance for loan losses is increased by provisions for loan losses charged to income. Losses are charged to the allowance when all or a portion of a loan is deemed to be uncollectible. Subsequent recoveries of loans previously charged off are credited to the allowance for loan losses when realized. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in Management&#8217;s judgment, should be charged off.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">All loans, except for consumer loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated as a specific allowance. The measurement of an impaired loan is based on (i)&#160;the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate, (ii) the loan&#8217;s observable market price or (iii) the fair value of the collateral if the loan is collateral dependent.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan&#8217;s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Management has identified the following loan segments: Commercial Real Estate, Multifamily, Construction, Commercial, 1&#8201;&#8211;&#8201;4 Family Residential and Consumer. The risks associated with a concentration in real estate loans include potential losses from fluctuating values of land and improved properties. Commercial Real Estate and Multifamily loans are expected to be repaid from the cash flow of the underlying property so the collective amount of rents must be sufficient to cover all operating expenses, property management and maintenance, taxes and debt service. Increases in vacancy rates, interest rates or other changes in general economic conditions can all have an impact on the borrower and their ability to repay the loan. Construction loans are considered riskier than commercial financing on improved and established commercial real estate. The risk of potential loss increases if the original cost estimates or time to complete are significantly off. The remainder of the loan portfolio is comprised of commercial and consumer loans. The primary risks associated with the commercial loans is the cash flow of the business, the experience and quality of the borrowers&#8217; management, the business climate, and the impact of economic factors. The primary risks associated with 1&#8201;&#8211;&#8201;4 Family Residential and Consumer loans relate to the borrower, such as the risk of a borrower&#8217;s unemployment as a result of deteriorating economic conditions or the amount and nature of a borrower&#8217;s other existing indebtedness, and the value of the collateral securing the loan if the Bank must take possession of the collateral<font style="font-style: italic;">.</font></div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Premises and Equipment</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Premises and equipment, including leasehold improvements, are stated at cost, net of accumulated depreciation and amortization. Equipment, which includes furniture and fixtures, are depreciated over the assets&#8217; estimated useful lives using the straight-line method (three to ten&#160;years). Amortization of leasehold improvements is recognized on a straight-line basis over the lesser of the expected lease term or the estimated useful life of the asset. Costs incurred to improve or extend the life of existing assets are capitalized. Repairs and maintenance are charged to expense.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Federal Home Loan Bank (FHLB) Stock</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of mortgage related assets, borrowings and other factors. FHLB stock is carried at cost, classified as a restricted security and periodically evaluated for impairment based on the ultimate recovery of par value. Dividends are reported as interest income.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Federal Reserve Bank (FRB) Stock</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Bank is a member of its regional FRB. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as interest income.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loan Commitments and Related Financial Instruments</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Financial instruments include off balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, are issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Transfers of Financial Assets</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Income Taxes</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Income taxes are provided for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted rates expected to apply to taxable income in the&#160;years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period the change occurs. Deferred tax assets are reduced, through a valuation allowance, if necessary, by the amount of such benefits that are not expected to be realized based on current available evidence.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">A tax position is recognized as a benefit only if it is &#8220;more likely than not&#8221; that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#8220;more likely than not&#8221; test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Earnings per Common Share</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basic earnings per common share is net earnings allocated to common stock divided by the weighted average number of common shares outstanding during the period. Any outstanding preferred shares are considered participating securities for computation of basic earnings per common share. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Share-Based Payment</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Share based payment guidance requires the Company to recognize the grant-date fair value of stock options and other equity-based compensation issued to employees and non-employees in the statements of income. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost for stock options are recognized as non-interest expense in the statement of income on a straight-line basis over the vesting period of each stock option grant. Compensation cost for stock options includes the impact of an estimated forfeiture rate. At December&#160;31, 2017, no stock options had vesting conditions linked to the performance of the Company or market conditions.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Preferred Stock</div> <div style="line-height: 11pt; widows: 2; text-transform: none; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;&#160;&#160;&#160;&#160;&#160; In December of 2014, an investor executed the purchase of 157,985 shares of 0.00% Series B Non-Voting Preferred Shares at a price of&#8201; $12.50 per share for proceeds, net of offering costs, of approximately $1,800. The preferred stock does not have a maturity date and is not convertible by the holder, but is convertible on a one for one basis into shares of common stock by us under certain circumstances. In addition, the preferred stock does not have a liquidation preference. Preferred shares have equal rights to receive dividends when dividends are declared on common stock, and thus are considered participating securities.</font></div> <div style="line-height: 11pt; widows: 2; text-transform: none; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;&#160;&#160;&#160;&#160;&#160; In June of 2016, the Company and the preferred shareholder agreed to perform an exchange of 91,000 shares of 0.00% of Series&#160;B non-voting preferred shares for 91,000 voting common shares, par value $0.01.</font></div> <div style="line-height: 11pt; widows: 2; text-transform: none; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: times new roman,times;" size="2">&#160;&#160;&#160;&#160;&#160;&#160; In July of 2017, the Company and the preferred shareholder agreed to perform an exchange of 66,985 shares of 0.00% of Series B non-voting preferred shares for 66,985 voting common shares, par value $0.01. As of December 31, 2017, there are no preferred shares outstanding.</font></div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Dividend Restriction</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Banking regulations require maintaining certain capital levels and may limit the dividends paid by the bank to the holding company or by the holding company to shareholders.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Segment Reporting</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company&#8217;s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. In the opinion of management, the Company does not have any other reportable segments as defined by Accounting Standards Codification (ASC) Topic 280, &#8220;Disclosure about Segments of an Enterprise and Related Information&#8221;.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Restrictions on Cash</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Cash on hand or on deposit with the FRB was required to meet regulatory reserve and clearing requirements.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Reclassifications</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or stockholders&#8217; equity.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Comprehensive Income</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Comprehensive income (loss) consists of net income and other comprehensive (loss) income. Other comprehensive (loss) income includes unrealized gains and losses on securities available-for-sale which are also recognized as separate components of equity.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair Value of Financial Instruments</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loss Contingencies</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. 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padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 1pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> </tr> </table> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 14.2pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; margin-left: 20pt; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The tax provision related to these gains was $2 for 2016.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At December&#160;31, 2017, securities having a fair value of&#8201; $108,955 were pledged to the FHLB for borrowing capacity totaling $103,351. At December&#160;31, 2016, securities having a fair value of&#8201; $76,633 were pledged to the FHLB for borrowing capacity totaling $72,837. At December&#160;31, 2017 and 2016, the Company had no outstanding FHLB advances.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At December&#160;31, 2017, securities having a fair value of&#8201; $19,803 were pledged to the FRB of New York for borrowing capacity totaling $19,370. At December&#160;31, 2016, securities having a fair value of&#8201; $16,012 were pledged to FRB of New York for borrowing capacity totaling $15,580. 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Management evaluates securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">At December&#160;31, 2017, securities in unrealized loss positions were issuances from government sponsored entities. Due to the decline in fair value attributable to changes in interest rates and illiquidity, not credit quality and because the Company does not have the intent to sell the securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider the securities to be other-than-temporarily impaired at December&#160;31, 2017.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; margin-left: 20pt; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">No impairment charges were recorded in 2017, 2016 and 2015.</div> </div> <div style="line-height: 11pt; widows: 2; 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padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">2,272</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; 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width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">504</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; 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padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 16.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; 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padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; 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min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">1,934</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">621</td> <td style="border-bottom: #cceeff 1px solid; 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width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 16.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">141</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">119</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">3,413</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 3.25pt; padding-left: 0pt; width: 148.61pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 10pt;">Total ending allowance balance</div> </td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.885pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">360</td> <td style="padding-bottom: 0pt; padding-left: 5.885pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">1,934</td> <td style="padding-bottom: 0pt; padding-left: 3.2pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">621</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.45pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">238</td> <td style="padding-bottom: 0pt; padding-left: 5.45pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 16.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">141</td> <td style="padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">119</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">3,413</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 148.61pt; padding-right: 0pt; padding-top: 2.75pt;"> <div style="margin-left: 10pt;">Loans:</div> </td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; 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text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 20.25pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">$</td> <td style="min-width: 24pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; 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padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 16.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,610</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 8.98pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 2.5pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 2.07pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; 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padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">277,450</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; font: 9pt/9pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.75pt; padding-left: 0pt; width: 148.61pt; padding-right: 0pt; padding-top: 3.25pt;"> <div style="margin-left: 20pt;">Total ending loans balance</div> </td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.885pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; 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padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 20.25pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">83,410</td> <td style="padding-bottom: 0pt; padding-left: 5.32pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="width: 2.5pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 5.45pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; 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padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">24,761</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; 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padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 13.745pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 13.745pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 1.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">5,047</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; 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padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.5pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 7.5pt; text-align: right; padding-bottom: 2.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.5pt;">&#8212;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; width: 6pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #cceeff 1px solid; padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 1px solid; min-width: 3.75pt; 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padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 7.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 7.79pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; 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In 2015, the stockholders of the Company approved an amendment to the Company&#8217;s 2011 Stock Compensation Plan to authorize an additional 350,000 shares for issuance under the plan. The Company has 4,062 shares available for issuance under the 2011 Stock Compensation Plan as of December&#160;31, 2017.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">In 2017, the stockholders of the Company approved the Company&#8217;s 2017 Equity Incentive Plan. The plan allows for a maximum of 300,000 shares of common stock to be issued. 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padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 18.62pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 245.22pt; padding-right: 0pt; padding-top: 3.5pt;">Assets</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; 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padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; background-color: #cceeff; font: 10pt/10pt 'times new roman', times, serif; white-space: nowrap; color: #000000; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1.5pt; padding-left: 0pt; width: 245.22pt; 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padding-top: 0pt;">&#160;</td> <td style="min-width: 24.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 3.75pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="min-width: 7.5pt; text-align: right; padding-bottom: 0.5pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="text-align: right; text-transform: none; font: 10pt/10pt 'times new roman', times, serif; 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padding-left: 18.62pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 24.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">92,645</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="width: 6pt; padding: 0pt;">&#160;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="border-bottom: #000000 3px double; min-width: 3.75pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; padding-top: 3.25pt;">$</td> <td style="border-bottom: #000000 3px double; min-width: 7.5pt; text-align: right; padding-bottom: 2pt; padding-left: 0pt; padding-right: 0pt; white-space: nowrap; padding-top: 3.25pt;">&#8212;</td> <td style="padding-bottom: 0pt; padding-left: 14.92pt; width: 0pt; padding-right: 0pt; padding-top: 0pt;">&#160;</td> <td style="width: 0pt; padding: 0pt;">&#160;</td> </tr> <tr style="line-height: 4pt; height: 4pt;"> <td style="line-height: 0pt; font-size: 0pt; padding: 0pt;" colspan="20">&#160;</td> </tr> </table> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 10.6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">There were no transfers between Level&#160;1 and Level&#160;2 during the year. There were no assets measured on a non-recurring basis as of December&#160;31, 2017 and 2016.</div> <div style="line-height: 11pt; widows: 2; text-transform: none; font-style: italic; margin-top: 12pt; text-indent: 0px; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Estimated Fair Value of Financial Instruments</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Fair value estimates are made at specific points in time and are based on existing on-and off-balance sheet financial instruments. Such estimates are generally subjective in nature and dependent upon a number of significant assumptions associated with each financial instrument or group of financial instruments, including estimates of discount rates, risks associated with specific financial instruments, estimates of future cash flows, and relevant available market information. Changes in assumptions could significantly affect the estimates. In addition, fair value estimates do not reflect the value of anticipated future business, premiums or discounts that could result from offering for sale at one time the Company&#8217;s entire holdings of a particular financial instrument, or the tax consequences of realizing gains or losses on the sale of financial instruments.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company used the following method and assumptions in estimating the fair value of its financial instruments:</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Cash and Due from Banks and Interest Earning Deposits</font>:&#160;&#160;&#160;Carrying amounts approximate fair value, since these instruments are either payable on demand or have short-term maturities. Cash on hand and non-interest due from bank accounts are Level&#160;1 and interest bearing deposits are Level&#160;2.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Securities Available-for-Sale</font>: &#160;&#160;&#160;The fair values for securities available-for-sale are determined by quoted market prices, if available (Level&#160;1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level&#160;2), using matrix pricing. Matrix pricing is a mathematical technique commonly used to price debt securities that are not actively traded, values debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities&#8217; relationship to other benchmark quoted securities (Level&#160;2 inputs).</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Securities, Restricted</font>: &#160;&#160;&#160;It is not practical to determine the fair value of FHLB and FRB stock due to restrictions placed on its transferability.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Loans</font>: &#160;&#160;&#160;The estimated fair values of real estate mortgage loans and other loans receivable are based on discounted cash flow calculations that use available market benchmarks when establishing discount factors for the types of loans resulting in a Level&#160;3 classification. Exceptions may be made for adjustable rate loans (with resets of one year or less), which would be discounted straight to their rate index plus or minus an appropriate spread. All nonaccrual loans are carried at their current fair value, if applicable. The method utilized to determine fair value does not represent exit price.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Accrued Interest Receivable and Payable</font>: &#160;&#160;&#160;For these short-term instruments, the carrying amount is a reasonable estimate of the fair value resulting in a Level&#160;2 or 3 classification.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Deposits</font>: &#160;&#160;&#160;The estimated fair value of certificates of deposits are based on discounted cash flow calculations that use a replacement cost of funds approach to establishing discount rates for certificates of deposits maturities resulting in a Level&#160;2 classification. Stated value is fair value for all other deposits resulting in a Level&#160;1 classification.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Secured Borrowings</font>: &#160;&#160;&#160;Borrowings represent secured borrowings and carrying value is a reasonable estimate of fair value resulting in a Level&#160;2 classification.</div> <div style="text-align: justify; line-height: 12pt; widows: 2; text-transform: none; font-style: normal; margin-top: 6pt; text-indent: 20pt; font-family: 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; font-size: 13px; font-weight: 400; word-spacing: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="text-decoration: underline;">Off-Balance-Sheet Liabilities</font>: &#160;&#160;&#160;The fair value of off-balance-sheet commitments to extend credit is estimated using fees c