Common use of Delinquent Loans Clause in Contracts

Delinquent Loans. The following table shows the delinquencies in our loan portfolio as of the dates indicated. December 31, 2017 December 31, 2016 30-89 Days 90 Days or more 30-89 Days 90 Days or more Number Balance Number Balance Number Balance Number Balance (Dollars in thousands) Loans secured by real estate: Residential 1-4 family 1 $ 143 4 $ 678 2 $ 39 3 $ 678 Commercial 1 9 - - - - - - Multi-family - - - - - - - - Agricultural - - - - - - - - Land 1 27 - - - - - - Residential construction - - - - 1 28 - - Home equity lines of credit - - - - - - - - Totals by loans secured by real estate 3 179 4 678 3 67 3 678 Commercial loans 2 556 - - - - 2 27 Agricultural loans - - - - - - - - Consumer loans 4 27 2 8 4 19 5 85 Total delinquent loans 9 $ 762 6 $ 686 7 $ 86 10 $ 790 Delinquent loans to total net loans 0.32 % 0.29 % 0.04 % 0.39 % Non-performing Assets. The following table shows the amounts of our non-performing assets, which include non-accruing loans, accruing loans 90 days or more past due, and other foreclosed assets at the dates indicated. We did not have any troubled debt restructurings at any of the dates indicated. Year Ended December 31, 2017 2016 2015 2014 2013 (Dollars in thousands) Non-accruing loans: Residential 1-4 family real estate $ 269 $ 879 $ 829 $ 570 $ 52 Commercial real estate - - - 9 - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 18 20 - Residential construction real estate - - - - - Home equity lines of credit 30 - - - - Commercial loans - 35 11 49 - Agricultural - - - - - Total 307 999 880 653 58 Accruing loans 90 days or more past due Residential 1-4 family real estate $ 442 $ - $ - $ - $ - Commercial real estate - - - - - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 29 - - Residential construction real estate - - - - - Home equity lines of credit - - - - - Commercial loans - - - 21 23 Agricultural - - - - - Consumer loans - - - 7 18 Total 442 - 29 28 41 Total non-performing loans $ 749 $ 999 $ 909 $ 681 $ 99 Other foreclosed assets(1) - 48 109 20 - Total non-performing assets $ 749 $ 1,047 $ 1,018 $ 701 $ 99 Total non-performing loans as a percentage of net loans 0.32 % 0.50 % 0.53 % 0.48 % 0.09 % Total non-performing loans as a percentage of total assets 0.26 % 0.42 % 0.43 % 0.40 % 0.07 % Total non-performing assets as a percentage of total assets 0.26 % 0.44 % 0.48 % 0.41 % 0.07 % ___________________

Delinquent Loans. The following table shows the delinquencies in our loan portfolio as of the dates indicated. December 31, 2017 December 31, 2016 30-89 Days 90 Days or more 30-89 Days 90 Days or more Number Balance Number Balance Number Balance Number Balance (Dollars in thousands) Loans secured by real estate: Residential 1-4 family 1 $ 143 4 88 1 $ 678 2 $ 39 31 3 $ 678 94 - $ - Commercial 1 9 - - - - - - - - Multi-family - - - - - - - - Agricultural Land - - - - - - - - Land 1 27 - - - - - - Residential construction - - - - 1 28 - - - - Home equity lines of credit - - - - - - - - Totals by loans secured by real estate 1 88 1 31 3 179 4 678 3 67 3 678 Commercial loans 2 556 94 - - Commercial and industrial loans 3 481 3 365 - - 2 27 Agricultural loans - - - - - - - - Consumer loans 4 27 2 8 4 19 5 85 391 Total delinquent loans 9 $ 762 6 $ 686 600 6 $ 403 7 $ 86 10 124 3 $ 790 393 Delinquent loans to total net loans 0.32 0.63 % 0.29 0.42 % 0.04 0.14 % 0.39 0.45 % Non-performing Assets. The following table shows the amounts of our non-performing assets, which include non-accruing loans, accruing loans 90 days or more past due, and other foreclosed assets at the dates indicated. We did not have any had $251,000 of other real estate owned at December 31, 2017 compared to $245,000 at December 31, 2016. There were no troubled debt restructurings at any of the dates indicatedDecember 31, 2017, and $518,000 at December 31, 2016. Year Ended December 31, 2017 2016 2015 2014 2013 Non-accruing loans: (Dollars in thousands) NonResidential 1-accruing loans4 family real estate $ 49 $ 255 Commercial real estate - - Multi-family real estate - - Land - - Residential construction real estate - - Home equity lines of credit - - Commercial loans 846 976 Consumer loans 9 10 Total 904 1,241 Accruing loans 90 days or more past due: Residential 1-4 family real estate $ 269 $ 879 $ 829 $ 570 $ 52 Commercial real estate - - - 9 - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 18 20 - Residential construction real estate - - - - - Home equity lines of credit 30 - - - - Commercial loans - 35 11 49 - Agricultural - - - - - Total 307 999 880 653 58 Accruing loans 90 days or more past due Residential 1-4 family real estate $ 442 $ - $ - $ - $ - Commercial real estate - - - - - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 29 - - Residential construction real estate - - - - - Home equity lines of credit - - - - - Commercial loans - - - 21 23 Agricultural - - - - - Consumer loans - - Total - 7 18 Total 442 - 29 28 41 Total non-performing loans $ 749 904 $ 999 $ 909 $ 681 $ 99 1,241 Other foreclosed assets(1) - 48 109 20 - 251 245 Total non-performing assets $ 749 1,155 $ 1,047 $ 1,018 $ 701 $ 99 1,486 Total non-performing loans as a percentage of net loans 0.32 0.95 % 0.50 % 0.53 % 0.48 % 0.09 1.45 % Total non-performing loans as a percentage of total assets 0.26 0.58 % 0.42 % 0.43 % 0.40 % 0.07 0.81 % Total non-performing assets as a percentage of total assets 0.26 0.74 % 0.44 % 0.48 % 0.41 % 0.07 0.98 % ___________________

Delinquent Loans. The following table shows the delinquencies in our ABC's loan portfolio as of the dates indicated. December 31, 2017 December 31, 2016 30-89 Days 90 Days or more 30-89 Days 90 Days or more Number Balance Number Balance Number Balance Number Balance (Dollars in thousands) Loans secured by real estate: Residential 1-4 family 1 $ 143 4 88 1 $ 678 2 $ 39 31 3 $ 678 94 - $ - Commercial 1 9 - - - - - - - - Multi-family - - - - - - - - Agricultural Land - - - - - - - - Land 1 27 - - - - - - Residential construction - - - - 1 28 - - - - Home equity lines of credit - - - - - - - - Totals by loans secured by real estate 1 88 1 31 3 179 4 678 3 67 3 678 Commercial loans 2 556 94 - - Commercial and industrial loans 3 481 3 365 - - 2 27 Agricultural loans - - - - - - - - Consumer loans 4 27 2 8 4 19 5 85 391 Total delinquent loans 9 $ 762 6 $ 686 600 6 $ 403 7 $ 86 10 124 3 $ 790 393 Delinquent loans to total net loans 0.32 0.63 % 0.29 0.42 % 0.04 0.14 % 0.39 0.45 % Non-performing Assets. The following table shows the amounts of our ABC's non-performing assets, which include non-accruing loans, accruing loans 90 days or more past due, and other foreclosed assets at the dates indicated. We did not have any ABC had $251,000 of other real estate owned at December 31, 2017 compared to $245,000 at December 31, 2016. There were no troubled debt restructurings at any of the dates indicatedDecember 31, 2017, and $518,000 at December 31, 2016. Year Ended December 31, 2017 2016 2015 2014 2013 Non-accruing loans: (Dollars in thousands) NonResidential 1-accruing loans4 family real estate $ 49 $ 255 Commercial real estate - - Multi-family real estate - - Land - - Residential construction real estate - - Home equity lines of credit - - Commercial loans 846 976 Consumer loans 9 10 Total 904 1,241 Accruing loans 90 days or more past due: Residential 1-4 family real estate $ 269 $ 879 $ 829 $ 570 $ 52 Commercial real estate - - - 9 - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 18 20 - Residential construction real estate - - - - - Home equity lines of credit 30 - - - - Commercial loans - 35 11 49 - Agricultural - - - - - Total 307 999 880 653 58 Accruing loans 90 days or more past due Residential 1-4 family real estate $ 442 $ - $ - $ - $ - Commercial real estate - - - - - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 29 - - Residential construction real estate - - - - - Home equity lines of credit - - - - - Commercial loans - - - 21 23 Agricultural - - - - - Consumer loans - - Total - 7 18 Total 442 - 29 28 41 Total non-performing loans $ 749 904 $ 999 $ 909 $ 681 $ 99 1,241 Other foreclosed assets(1) - 48 109 20 - 251 245 Total non-performing assets $ 749 1,155 $ 1,047 $ 1,018 $ 701 $ 99 1,486 Total non-performing loans as a percentage of net loans 0.32 0.95 % 0.50 % 0.53 % 0.48 % 0.09 1.45 % Total non-performing loans as a percentage of total assets 0.26 0.58 % 0.42 % 0.43 % 0.40 % 0.07 0.81 % Total non-performing assets as a percentage of total assets 0.26 0.74 % 0.44 % 0.48 % 0.41 % 0.07 0.98 % ___________________

Delinquent Loans. The following table shows the delinquencies in our Century Next's loan portfolio as of the dates indicated. December 31, 2017 December 31, 2016 30-89 Days 90 Days or more 30-89 Days 90 Days or more Number Balance Number Balance Number Balance Number Balance (Dollars in thousands) Loans secured by real estate: Residential 1-4 family 1 $ 143 4 $ 678 2 $ 39 3 $ 678 Commercial 1 9 - - - - - - Multi-family - - - - - - - - Agricultural - - - - - - - - Land 1 27 - - - - - - Residential construction - - - - 1 28 - - Home equity lines of credit - - - - - - - - Totals by loans secured by real estate 3 179 4 678 3 67 3 678 Commercial loans 2 556 - - - - 2 27 Agricultural loans - - - - - - - - Consumer loans 4 27 2 8 4 19 5 85 Total delinquent loans 9 $ 762 6 $ 686 7 $ 86 10 $ 790 Delinquent loans to total net loans 0.32 % 0.29 % 0.04 % 0.39 % Non-performing Assets. The following table shows the amounts of our Century Next's non-performing assets, which include non-accruing loans, accruing loans 90 days or more past due, and other foreclosed assets at the dates indicated. We Century Next did not have any troubled debt restructurings at any of the dates indicated. Year Ended December 31, 2017 2016 2015 2014 2013 (Dollars in thousands) Non-accruing loans: Residential 1-4 family real estate $ 269 $ 879 $ 829 $ 570 $ 52 Commercial real estate - - - 9 - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 18 20 - Residential construction real estate - - - - - Home equity lines of credit 30 - - - - Commercial loans - 35 11 49 - Agricultural - - - - - Total 307 999 880 653 58 Accruing loans 90 days or more past due Residential 1-4 family real estate $ 442 $ - $ - $ - $ - Commercial real estate - - - - - Multi-family real estate - - - - - Agricultural real estate - - - - - Land - - 29 - - Residential construction real estate - - - - - Home equity lines of credit - - - - - Commercial loans - - - 21 23 Agricultural - - - - - Consumer loans - - - 7 18 Total 442 - 29 28 41 Total non-performing loans $ 749 $ 999 $ 909 $ 681 $ 99 Other foreclosed assets(1) - 48 109 20 - Total non-performing assets $ 749 $ 1,047 $ 1,018 $ 701 $ 99 Total non-performing loans as a percentage of net loans 0.32 % 0.50 % 0.53 % 0.48 % 0.09 % Total non-performing loans as a percentage of total assets 0.26 % 0.42 % 0.43 % 0.40 % 0.07 % Total non-performing assets as a percentage of total assets 0.26 % 0.44 % 0.48 % 0.41 % 0.07 % ___________________