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The results are not necessarily indicative of the results that may be expected for the year ending December 31, 2019 or for any future period.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <div style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the consolidated financial statements; accordingly, as this information changes, the consolidated financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more consolidated financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by other third-party sources, when available. 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Early adoption is permitted for all companies in any interim or annual period. The Company occupies certain offices under non-cancelable operating lease agreements, which currently are not reflected in its consolidated balance sheets. 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Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating the impact the guidance will have on the Company's consolidated financial statements, and expects an increase in the allowance for credit losses resulting from the change to expected losses for the estimated life of the financial asset, including an allowance for debt securities. The amount of the increase in the allowance for credit losses resulting from the new guidance will be impacted by the portfolio composition and asset quality at the adoption date, as well as economic conditions and forecasts at the time of adoption. 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This update superseded outdated guidance related to the Office of the Comptroller of the Currency&#8217;s Banking Circular 202, Accounting for Net Deferred Tax Charges. 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style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; width: 439px;"><font style="font-size: 8pt;">U.S. Government and agency obligations</font></td> <td style="width: 16px;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left; 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The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the consolidated balance sheet date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is &#8220;more likely than not&#8221; we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income (&#8220;OCI&#8221;). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. 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This compares to 32 securities in an unrealized loss position at December 31, 2018, of which 28 had been in loss positions for a period greater than twelve months and four had been in loss positions for a period less than twelve months. These issuing entities are currently rated Aaa by Moody&#8217;s Investor Services and AA+ by Standard and Poors. Among the 23 securities in loss positions for a period greater than twelve months at March 31, 2019, 13 were either direct issuances of, or mortgage-backed securities or collateralized mortgage obligations issued by, the following entities sponsored and guaranteed by the United States Government: GNMA, FNMA, and FHLMC. The remaining 10 securities that have been in a loss position for a period greater than twelve months were issued by a state or political subdivision, primarily local municipalities. 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At December 31, 2018, the Company had one nonaccrual residential mortgage loan for $55,000 and one nonaccrual commercial and industrial loan for $45,000.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">There was one home equity line of credit for $146,000 that was past due 90 days or more and still accruing interest at March 31, 2019 and no loans that were past due 90 days or more and still accruing interest at December 31, 2018. At March 31, 2019 and December 31, 2018, there were no loans considered to be impaired and no troubled debt restructurings.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Note 6: Allowance for Loan Losses and Foreclosed Real Estate</b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. 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In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. 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The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process.&#160;</div> <div style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</div> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Management uses its best judgment in estimating the fair value of the Company&#8217;s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these consolidated financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. FASB ASC Topic 820 for Fair Value Measurements and Disclosures, the financial assets and liabilities were valued at a price that represents the Company&#8217;s exit price or the price at which these instruments would be sold or transferred.</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: justify; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company&#8217;s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company&#8217;s disclosures and those of other companies may not be meaningful. 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Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the consolidated financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. 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Early adoption is permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating the impact the guidance will have on the Company's consolidated financial statements, and expects an increase in the allowance for credit losses resulting from the change to expected losses for the estimated life of the financial asset, including an allowance for debt securities. The amount of the increase in the allowance for credit losses resulting from the new guidance will be impacted by the portfolio composition and asset quality at the adoption date, as well as economic conditions and forecasts at the time of adoption. 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style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td 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style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-left: 0.125in;"><font style="font-size: 8pt;">Recoveries</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: left;"><font style="font-size: 8pt;">&#160;</font></td> <td style="text-align: right;"><font style="font-size: 8pt;">-</font></td> <td style="text-align: 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text-decoration-color: initial;">The Company occupies certain banking and mortgage origination offices under noncancelable operating lease agreements which were not reflected on the consolidated balance sheet at December 31, 2018.&#160;&#160;Upon adoption of the guidance on January 1, 2019, the Company recorded an asset of $2.3 million and a corresponding liability in the amount of $2.6 million, included in other liabilities, as a result of recognizing right-of-use assets and lease liabilities on the consolidated balance sheet. 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Aggregate unrealized loss position of these securities is less than $500. Outside scope of ASC 606 76000