Datasets:
DylanJHJ
/
FINAL

Dataset card Data Studio Files Community
1
idB
stringlengths
19
25
idA
stringlengths
19
25
sentA
stringlengths
24
1.82k
sentB
stringlengths
24
1.43k
type
int64
2
2
words
list
wordsA
list
wordsB
list
keywordsA
list
keywordsB
list
labels
list
probs
list
922621_18_item7_p148_s2
922621_17_item7_p153_s1
These shares were delivered in 2014 .
These shares were delivered in 2017 .
2
[ "<tag1>", "These", "shares", "were", "delivered", "in", "2014", ".", "<tag2>", "These", "shares", "were", "delivered", "in", "2017", ".", "<tag3>" ]
[ "These", "shares", "were", "delivered", "in", "2014", "." ]
[ "These", "shares", "were", "delivered", "in", "2017", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p148_s4
922621_17_item7_p153_s1
These shares were delivered in 2014 .
These shares were delivered in 2016 .
2
[ "<tag1>", "These", "shares", "were", "delivered", "in", "2014", ".", "<tag2>", "These", "shares", "were", "delivered", "in", "2016", ".", "<tag3>" ]
[ "These", "shares", "were", "delivered", "in", "2014", "." ]
[ "These", "shares", "were", "delivered", "in", "2016", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p10_s3
922621_17_item7_p15_s0
estimated results for both Indemnity and the Exchange, and consideration of several factors for both entities including: their relative financial strength and capital position; projected revenue, expense and earnings for the subsequent year; future capital needs; as well as competitive position.
The process of setting the management fee rate includes the evaluation of current year operating results compared to both prior year and industry estimated results for both Indemnity and the Exchange, and consideration of several factors for both entities including: their relative financial strength and capital position; projected revenue, expense and earnings for the subsequent year; future capital needs; as well as competitive position.
2
[ "<tag1>", "estimated", "results", "for", "both", "Indemnity", "and", "the", "Exchange", ",", "and", "consideration", "of", "several", "factors", "for", "both", "entities", "including", ":", "their", "relative", "financial", "strength", "and", "capital", "position", ";", "projected", "revenue", ",", "expense", "and", "earnings", "for", "the", "subsequent", "year", ";", "future", "capital", "needs", ";", "as", "well", "as", "competitive", "position", ".", "<tag2>", "The", "process", "of", "setting", "the", "management", "fee", "rate", "includes", "the", "evaluation", "of", "current", "year", "operating", "results", "compared", "to", "both", "prior", "year", "and", "industry", "estimated", "results", "for", "both", "Indemnity", "and", "the", "Exchange", ",", "and", "consideration", "of", "several", "factors", "for", "both", "entities", "including", ":", "their", "relative", "financial", "strength", "and", "capital", "position", ";", "projected", "revenue", ",", "expense", "and", "earnings", "for", "the", "subsequent", "year", ";", "future", "capital", "needs", ";", "as", "well", "as", "competitive", "position", ".", "<tag3>" ]
[ "estimated", "results", "for", "both", "Indemnity", "and", "the", "Exchange", ",", "and", "consideration", "of", "several", "factors", "for", "both", "entities", "including", ":", "their", "relative", "financial", "strength", "and", "capital", "position", ";", "projected", "revenue", ",", "expense", "and", "earnings", "for", "the", "subsequent", "year", ";", "future", "capital", "needs", ";", "as", "well", "as", "competitive", "position", "." ]
[ "The", "process", "of", "setting", "the", "management", "fee", "rate", "includes", "the", "evaluation", "of", "current", "year", "operating", "results", "compared", "to", "both", "prior", "year", "and", "industry", "estimated", "results", "for", "both", "Indemnity", "and", "the", "Exchange", ",", "and", "consideration", "of", "several", "factors", "for", "both", "entities", "including", ":", "their", "relative", "financial", "strength", "and", "capital", "position", ";", "projected", "revenue", ",", "expense", "and", "earnings", "for", "the", "subsequent", "year", ";", "future", "capital", "needs", ";", "as", "well", "as", "competitive", "position", "." ]
[]
[ "process", "setting", "management", "fee", "rate", "includes", "evaluation", "current", "operating", "compared", "prior", "industry" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 1, -100, 1, 1, 1, 1, 0, 1, 0, 1, -100, 1, 0, 1, -100, -100, 1, -100, -100, 1, 0, -100, -100, -100, 0, 0, 0, 0, -100, 0, 0, -100, -100, 0, -100, 0, -100, 0, 0, 0, 0, -100, -100, 0, 0, 0, 0, 0, 0, -100, 0, 0, 0, 0, -100, 0, 0, -100, -100, 0, 0, 0, 0, 0, 0, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p164_s0
922621_17_item7_p163_s1
Accountability to identify, manage, and mitigate risk is embedded within all functions and areas of our business.
embedded within all functions and areas of our business.
2
[ "<tag1>", "Accountability", "to", "identify", ",", "manage", ",", "and", "mitigate", "risk", "is", "embedded", "within", "all", "functions", "and", "areas", "of", "our", "business", ".", "<tag2>", "embedded", "within", "all", "functions", "and", "areas", "of", "our", "business", ".", "<tag3>" ]
[ "Accountability", "to", "identify", ",", "manage", ",", "and", "mitigate", "risk", "is", "embedded", "within", "all", "functions", "and", "areas", "of", "our", "business", "." ]
[ "embedded", "within", "all", "functions", "and", "areas", "of", "our", "business", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p166_s0
922621_17_item7_p165_s0
We serve as attorney-in-fact for the policyholders at the Exchange, a reciprocal insurance exchange.
Subscriber's Agreement We serve as attorney-in-fact for the subscribers at the Exchange, a reciprocal insurance exchange.
2
[ "<tag1>", "We", "serve", "as", "attorney", "-", "in", "-", "fact", "for", "the", "policyholders", "at", "the", "Exchange", ",", "a", "reciprocal", "insurance", "exchange", ".", "<tag2>", "Subscriber", "'s", "Agreement", "We", "serve", "as", "attorney", "-", "in", "-", "fact", "for", "the", "subscribers", "at", "the", "Exchange", ",", "a", "reciprocal", "insurance", "exchange", ".", "<tag3>" ]
[ "We", "serve", "as", "attorney", "-", "in", "-", "fact", "for", "the", "policyholders", "at", "the", "Exchange", ",", "a", "reciprocal", "insurance", "exchange", "." ]
[ "Subscriber", "'s", "Agreement", "We", "serve", "as", "attorney", "-", "in", "-", "fact", "for", "the", "subscribers", "at", "the", "Exchange", ",", "a", "reciprocal", "insurance", "exchange", "." ]
[]
[ "Subscriber", "'s", "Agreement", "subscribers" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, -100, 0, 0, 0, 0, 0, -100, 0, 0, 0, 1, -100, -100, -100, 0, 0, 0, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p167_s1
922621_17_item7_p165_s2
Through the designation of attorney-in-fact, we are required to provide certain sales, underwriting, and policy issuance services to the policyholders of the Exchange, as discussed previously.
Through the designation of attorney-in-fact, we are required to provide policy issuance and renewal services to the subscribers at the Exchange, as discussed previously.
2
[ "<tag1>", "Through", "the", "designation", "of", "attorney", "-", "in", "-", "fact", ",", "we", "are", "required", "to", "provide", "certain", "sales", ",", "underwriting", ",", "and", "policy", "issuance", "services", "to", "the", "policyholders", "of", "the", "Exchange", ",", "as", "discussed", "previously", ".", "<tag2>", "Through", "the", "designation", "of", "attorney", "-", "in", "-", "fact", ",", "we", "are", "required", "to", "provide", "policy", "issuance", "and", "renewal", "services", "to", "the", "subscribers", "at", "the", "Exchange", ",", "as", "discussed", "previously", ".", "<tag3>" ]
[ "Through", "the", "designation", "of", "attorney", "-", "in", "-", "fact", ",", "we", "are", "required", "to", "provide", "certain", "sales", ",", "underwriting", ",", "and", "policy", "issuance", "services", "to", "the", "policyholders", "of", "the", "Exchange", ",", "as", "discussed", "previously", "." ]
[ "Through", "the", "designation", "of", "attorney", "-", "in", "-", "fact", ",", "we", "are", "required", "to", "provide", "policy", "issuance", "and", "renewal", "services", "to", "the", "subscribers", "at", "the", "Exchange", ",", "as", "discussed", "previously", "." ]
[]
[ "renewal", "subscribers" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 1, 0, -100, -100, 1, -100, -100, -100, -100, 0, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p172_s1
922621_17_item7_p169_s2
Rents are determined considering returns on invested capital and building operating and overhead costs.
Under the field office leases, rents are determined considering returns on invested capital and include building operating and overhead costs.
2
[ "<tag1>", "Rents", "are", "determined", "considering", "returns", "on", "invested", "capital", "and", "building", "operating", "and", "overhead", "costs", ".", "<tag2>", "Under", "the", "field", "office", "leases", ",", "rents", "are", "determined", "considering", "returns", "on", "invested", "capital", "and", "include", "building", "operating", "and", "overhead", "costs", ".", "<tag3>" ]
[ "Rents", "are", "determined", "considering", "returns", "on", "invested", "capital", "and", "building", "operating", "and", "overhead", "costs", "." ]
[ "Under", "the", "field", "office", "leases", ",", "rents", "are", "determined", "considering", "returns", "on", "invested", "capital", "and", "include", "building", "operating", "and", "overhead", "costs", "." ]
[]
[ "field", "office", "leases", "rents", "include" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 1, 1, 1, -100, 1, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, -100, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p3_s0
922621_17_item7_p2_s0
dependence upon our relationship with the Exchange and the growth of the Exchange, including:
dependence upon our relationship with the Exchange and the financial condition of the Exchange, including:
2
[ "<tag1>", "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "growth", "of", "the", "Exchange", ",", "including", ":", "<tag2>", "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "financial", "condition", "of", "the", "Exchange", ",", "including", ":", "<tag3>" ]
[ "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "growth", "of", "the", "Exchange", ",", "including", ":" ]
[ "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "financial", "condition", "of", "the", "Exchange", ",", "including", ":" ]
[]
[ "financial", "condition" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, 0, -100, -100, 0, -100, 1, 1, 0, -100, -100, -100, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p28_s2
922621_17_item7_p34_s0
exist in the fair value of our investment portfolio and reported total investment income, which could have an adverse impact on our financial condition, results of operations, and cash flows.
Depending upon market conditions, which are unpredictable and remain uncertain, considerable fluctuation could exist in the fair value of our investment portfolio and reported total investment income, which could have an adverse impact on our financial condition, results of operations, and cash flows.
2
[ "<tag1>", "exist", "in", "the", "fair", "value", "of", "our", "investment", "portfolio", "and", "reported", "total", "investment", "income", ",", "which", "could", "have", "an", "adverse", "impact", "on", "our", "financial", "condition", ",", "results", "of", "operations", ",", "and", "cash", "flows", ".", "<tag2>", "Depending", "upon", "market", "conditions", ",", "which", "are", "unpredictable", "and", "remain", "uncertain", ",", "considerable", "fluctuation", "could", "exist", "in", "the", "fair", "value", "of", "our", "investment", "portfolio", "and", "reported", "total", "investment", "income", ",", "which", "could", "have", "an", "adverse", "impact", "on", "our", "financial", "condition", ",", "results", "of", "operations", ",", "and", "cash", "flows", ".", "<tag3>" ]
[ "exist", "in", "the", "fair", "value", "of", "our", "investment", "portfolio", "and", "reported", "total", "investment", "income", ",", "which", "could", "have", "an", "adverse", "impact", "on", "our", "financial", "condition", ",", "results", "of", "operations", ",", "and", "cash", "flows", "." ]
[ "Depending", "upon", "market", "conditions", ",", "which", "are", "unpredictable", "and", "remain", "uncertain", ",", "considerable", "fluctuation", "could", "exist", "in", "the", "fair", "value", "of", "our", "investment", "portfolio", "and", "reported", "total", "investment", "income", ",", "which", "could", "have", "an", "adverse", "impact", "on", "our", "financial", "condition", ",", "results", "of", "operations", ",", "and", "cash", "flows", "." ]
[]
[ "Depending", "upon", "market", "conditions", "unpredictable", "remain", "uncertain", "considerable", "fluctuation" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 1, -100, 0, 0, 1, 0, 1, 1, 0, 1, 1, -100, 0, 0, -100, 0, 0, -100, 0, 0, -100, 0, -100, 0, -100, 0, -100, 0, -100, 0, 0, 0, 0, 0, 0, -100, 0, 0, 0, 0, 0, 0, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p2_s0
922621_17_item7_p3_s0
dependence upon our relationship with the Exchange and the financial condition of the Exchange, including:
dependence upon our relationship with the Exchange and the growth of the Exchange, including:
2
[ "<tag1>", "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "financial", "condition", "of", "the", "Exchange", ",", "including", ":", "<tag2>", "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "growth", "of", "the", "Exchange", ",", "including", ":", "<tag3>" ]
[ "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "financial", "condition", "of", "the", "Exchange", ",", "including", ":" ]
[ "dependence", "upon", "our", "relationship", "with", "the", "Exchange", "and", "the", "growth", "of", "the", "Exchange", ",", "including", ":" ]
[]
[ "growth" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, -100, 0, 1, -100, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p43_s1
922621_17_item7_p50_s0
from observable information in the marketplace, or are supported by observable levels at which transactions are executed in the marketplace.
All significant inputs are observable, or derived from observable information in the marketplace, or are supported by observable levels at which transactions are executed in the marketplace.
2
[ "<tag1>", "from", "observable", "information", "in", "the", "marketplace", ",", "or", "are", "supported", "by", "observable", "levels", "at", "which", "transactions", "are", "executed", "in", "the", "marketplace", ".", "<tag2>", "All", "significant", "inputs", "are", "observable", ",", "or", "derived", "from", "observable", "information", "in", "the", "marketplace", ",", "or", "are", "supported", "by", "observable", "levels", "at", "which", "transactions", "are", "executed", "in", "the", "marketplace", ".", "<tag3>" ]
[ "from", "observable", "information", "in", "the", "marketplace", ",", "or", "are", "supported", "by", "observable", "levels", "at", "which", "transactions", "are", "executed", "in", "the", "marketplace", "." ]
[ "All", "significant", "inputs", "are", "observable", ",", "or", "derived", "from", "observable", "information", "in", "the", "marketplace", ",", "or", "are", "supported", "by", "observable", "levels", "at", "which", "transactions", "are", "executed", "in", "the", "marketplace", "." ]
[]
[ "significant", "inputs", "derived" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, 0, 0, -100, 1, 0, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p77_s3
922621_17_item7_p55_s2
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
2
[ "<tag1>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag3>" ]
[ "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]
[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]
[]
[ "trustee", "custodian", "issuers" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, 0, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p75_s2
922621_17_item7_p81_s2
The market-related asset experience during 2016 that related to the actual investment return being different from that assumed during the prior year was a loss of $1.5 million .
The market-related asset experience during 2017 that related to the actual investment return being different from that assumed during the prior year was a gain of $67.4 million .
2
[ "<tag1>", "The", "market", "-", "related", "asset", "experience", "during", "2016", "that", "related", "to", "the", "actual", "investment", "return", "being", "different", "from", "that", "assumed", "during", "the", "prior", "year", "was", "a", "loss", "of", "$", "1.5", "million", ".", "<tag2>", "The", "market", "-", "related", "asset", "experience", "during", "2017", "that", "related", "to", "the", "actual", "investment", "return", "being", "different", "from", "that", "assumed", "during", "the", "prior", "year", "was", "a", "gain", "of", "$", "67.4", "million", ".", "<tag3>" ]
[ "The", "market", "-", "related", "asset", "experience", "during", "2016", "that", "related", "to", "the", "actual", "investment", "return", "being", "different", "from", "that", "assumed", "during", "the", "prior", "year", "was", "a", "loss", "of", "$", "1.5", "million", "." ]
[ "The", "market", "-", "related", "asset", "experience", "during", "2017", "that", "related", "to", "the", "actual", "investment", "return", "being", "different", "from", "that", "assumed", "during", "the", "prior", "year", "was", "a", "gain", "of", "$", "67.4", "million", "." ]
[]
[ "gain", "67.4" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, -100, -100, 1, -100, 0, 1, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p75_s3
922621_17_item7_p81_s3
Recognition of this loss will be deferred and recognized over a four year period, consistent with the market-related asset value methodology.
Recognition of this gain will be deferred and recognized over a four year period, consistent with the market-related asset value methodology.
2
[ "<tag1>", "Recognition", "of", "this", "loss", "will", "be", "deferred", "and", "recognized", "over", "a", "four", "year", "period", ",", "consistent", "with", "the", "market", "-", "related", "asset", "value", "methodology", ".", "<tag2>", "Recognition", "of", "this", "gain", "will", "be", "deferred", "and", "recognized", "over", "a", "four", "year", "period", ",", "consistent", "with", "the", "market", "-", "related", "asset", "value", "methodology", ".", "<tag3>" ]
[ "Recognition", "of", "this", "loss", "will", "be", "deferred", "and", "recognized", "over", "a", "four", "year", "period", ",", "consistent", "with", "the", "market", "-", "related", "asset", "value", "methodology", "." ]
[ "Recognition", "of", "this", "gain", "will", "be", "deferred", "and", "recognized", "over", "a", "four", "year", "period", ",", "consistent", "with", "the", "market", "-", "related", "asset", "value", "methodology", "." ]
[]
[ "gain" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 1, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p48_s2
922621_17_item7_p83_s3
The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
2
[ "<tag1>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag3>" ]
[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]
[ "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]
[]
[ "pricing", "service", "issuer" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, 1, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_18_item7_p87_s0
922621_17_item7_p94_s2
Since rate changes are realized at renewal, it takes 12 months to implement a rate change to all policyholders and another 12 months to earn the increased or decreased premiums in full.
change to all policyholders and another 12 months to earn the increased or decreased premiums in full.
2
[ "<tag1>", "Since", "rate", "changes", "are", "realized", "at", "renewal", ",", "it", "takes", "12", "months", "to", "implement", "a", "rate", "change", "to", "all", "policyholders", "and", "another", "12", "months", "to", "earn", "the", "increased", "or", "decreased", "premiums", "in", "full", ".", "<tag2>", "change", "to", "all", "policyholders", "and", "another", "12", "months", "to", "earn", "the", "increased", "or", "decreased", "premiums", "in", "full", ".", "<tag3>" ]
[ "Since", "rate", "changes", "are", "realized", "at", "renewal", ",", "it", "takes", "12", "months", "to", "implement", "a", "rate", "change", "to", "all", "policyholders", "and", "another", "12", "months", "to", "earn", "the", "increased", "or", "decreased", "premiums", "in", "full", "." ]
[ "change", "to", "all", "policyholders", "and", "another", "12", "months", "to", "earn", "the", "increased", "or", "decreased", "premiums", "in", "full", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p114_s0
932781_11_item7_p103_s0
See Note 14 to the financial statements for a reconciliation of the tax expense/benefit.
Taxes, to the financial statements for a reconciliation of the tax expense.
2
[ "<tag1>", "See", "Note", "14", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", "/", "benefit", ".", "<tag2>", "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", ".", "<tag3>" ]
[ "See", "Note", "14", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", "/", "benefit", "." ]
[ "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", "." ]
[]
[ "Taxes" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p119_s2
932781_11_item7_p104_s12
To enhance our liquidity and improve our exposure to rising interest rates (see "Market Risk Management" section), the growth in deposits was invested in interest-bearing deposits with the Federal Reserve Bank of Richmond and shorter maturity amortizing investments such as agency CMO's and SBA pools.
To improve our exposure to rising interest rates (see "Market Risk Management" section), the growth in deposits was invested in shorter maturity amortizing investments such as agency CMOs and SBA pools.
2
[ "<tag1>", "To", "enhance", "our", "liquidity", "and", "improve", "our", "exposure", "to", "rising", "interest", "rates", "(", "see", "\"", "Market", "Risk", "Management", "\"", "section", ")", ",", "the", "growth", "in", "deposits", "was", "invested", "in", "interest", "-", "bearing", "deposits", "with", "the", "Federal", "Reserve", "Bank", "of", "Richmond", "and", "shorter", "maturity", "amortizing", "investments", "such", "as", "agency", "CMO", "'s", "and", "SBA", "pools", ".", "<tag2>", "To", "improve", "our", "exposure", "to", "rising", "interest", "rates", "(", "see", "\"", "Market", "Risk", "Management", "\"", "section", ")", ",", "the", "growth", "in", "deposits", "was", "invested", "in", "shorter", "maturity", "amortizing", "investments", "such", "as", "agency", "CMOs", "and", "SBA", "pools", ".", "<tag3>" ]
[ "To", "enhance", "our", "liquidity", "and", "improve", "our", "exposure", "to", "rising", "interest", "rates", "(", "see", "\"", "Market", "Risk", "Management", "\"", "section", ")", ",", "the", "growth", "in", "deposits", "was", "invested", "in", "interest", "-", "bearing", "deposits", "with", "the", "Federal", "Reserve", "Bank", "of", "Richmond", "and", "shorter", "maturity", "amortizing", "investments", "such", "as", "agency", "CMO", "'s", "and", "SBA", "pools", "." ]
[ "To", "improve", "our", "exposure", "to", "rising", "interest", "rates", "(", "see", "\"", "Market", "Risk", "Management", "\"", "section", ")", ",", "the", "growth", "in", "deposits", "was", "invested", "in", "shorter", "maturity", "amortizing", "investments", "such", "as", "agency", "CMOs", "and", "SBA", "pools", "." ]
[]
[ "CMOs" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p92_s2
932781_11_item7_p105_s3
Approximately $41.0 million in "GSE" bonds and mortgage-backed securities were sold that realized a gain of approximately $1.7 million.
Approximately $41.0 million in available-for-sale GSE bonds and MBSs were sold that realized a gain of approximately $1.7 million.
2
[ "<tag1>", "Approximately", "$", "41.0", "million", "in", "\"", "GSE", "\"", "bonds", "and", "mortgage", "-", "backed", "securities", "were", "sold", "that", "realized", "a", "gain", "of", "approximately", "$", "1.7", "million", ".", "<tag2>", "Approximately", "$", "41.0", "million", "in", "available", "-", "for", "-", "sale", "GSE", "bonds", "and", "MBSs", "were", "sold", "that", "realized", "a", "gain", "of", "approximately", "$", "1.7", "million", ".", "<tag3>" ]
[ "Approximately", "$", "41.0", "million", "in", "\"", "GSE", "\"", "bonds", "and", "mortgage", "-", "backed", "securities", "were", "sold", "that", "realized", "a", "gain", "of", "approximately", "$", "1.7", "million", "." ]
[ "Approximately", "$", "41.0", "million", "in", "available", "-", "for", "-", "sale", "GSE", "bonds", "and", "MBSs", "were", "sold", "that", "realized", "a", "gain", "of", "approximately", "$", "1.7", "million", "." ]
[]
[ "available", "sale", "MBSs" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, 1, 0, -100, -100, 1, 0, 0, -100, 1, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p121_s0
932781_11_item7_p105_s4
The funds received from this transaction were primarily invested in other securities that have a lower regulatory risk weighting such as GNMA mortgage-backed securities and SBA pools.
The funds received from the sale of these downgraded investments as well as other investment sales transaction were primarily invested in securities that have a lower regulatory risk weighting such as GSE mortgage-backed securities and SBA pools.
2
[ "<tag1>", "The", "funds", "received", "from", "this", "transaction", "were", "primarily", "invested", "in", "other", "securities", "that", "have", "a", "lower", "regulatory", "risk", "weighting", "such", "as", "GNMA", "mortgage", "-", "backed", "securities", "and", "SBA", "pools", ".", "<tag2>", "The", "funds", "received", "from", "the", "sale", "of", "these", "downgraded", "investments", "as", "well", "as", "other", "investment", "sales", "transaction", "were", "primarily", "invested", "in", "securities", "that", "have", "a", "lower", "regulatory", "risk", "weighting", "such", "as", "GSE", "mortgage", "-", "backed", "securities", "and", "SBA", "pools", ".", "<tag3>" ]
[ "The", "funds", "received", "from", "this", "transaction", "were", "primarily", "invested", "in", "other", "securities", "that", "have", "a", "lower", "regulatory", "risk", "weighting", "such", "as", "GNMA", "mortgage", "-", "backed", "securities", "and", "SBA", "pools", "." ]
[ "The", "funds", "received", "from", "the", "sale", "of", "these", "downgraded", "investments", "as", "well", "as", "other", "investment", "sales", "transaction", "were", "primarily", "invested", "in", "securities", "that", "have", "a", "lower", "regulatory", "risk", "weighting", "such", "as", "GSE", "mortgage", "-", "backed", "securities", "and", "SBA", "pools", "." ]
[]
[ "sale", "downgraded", "investments", "well", "investment", "sales", "GSE" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 0, 0, 1, 0, 0, 1, 1, -100, 1, 0, 0, 1, 1, -100, -100, -100, 0, 0, 0, -100, 0, 0, 0, 0, 0, -100, 0, 0, 1, 0, 0, -100, -100, 0, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p127_s2
932781_11_item7_p119_s0
economic conditions as well as deterioration of asset quality within our company could significantly impact our ability to grow our loan portfolio.
A continuation of the very slow recovery from recessionary national and local economic conditions, as well as deterioration of asset quality within our Company, could significantly impact our ability to grow our loan portfolio.
2
[ "<tag1>", "economic", "conditions", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "company", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", ".", "<tag2>", "A", "continuation", "of", "the", "very", "slow", "recovery", "from", "recessionary", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", ".", "<tag3>" ]
[ "economic", "conditions", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "company", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", "." ]
[ "A", "continuation", "of", "the", "very", "slow", "recovery", "from", "recessionary", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", "." ]
[]
[ "continuation", "slow", "recovery", "recessionary", "national", "local", "Company" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, -100, -100, -100, 1, 1, 0, 1, 1, 0, 1, 0, 0, -100, -100, 0, -100, 0, 0, 0, -100, 0, 0, 1, 0, 0, 0, 0, 0, -100, 0, 0, 0, 0, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p144_s0
932781_11_item7_p139_s0
The process does not adequately consider what the holder paid for the bond or the impact that they are multi-obligor securities.
the holder paid for the bond or the impact that they are multi-obligor securities.
2
[ "<tag1>", "The", "process", "does", "not", "adequately", "consider", "what", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", ".", "<tag2>", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", ".", "<tag3>" ]
[ "The", "process", "does", "not", "adequately", "consider", "what", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", "." ]
[ "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p148_s0
932781_11_item7_p147_s0
We hold other investments carried at cost which includes stock in the Federal Reserve Bank of Richmond and the Federal Home Loan Bank of Atlanta ("FHLB Atlanta").
We hold other investments carried at cost which includes stock in the Federal Reserve and the FHLB.
2
[ "<tag1>", "We", "hold", "other", "investments", "carried", "at", "cost", "which", "includes", "stock", "in", "the", "Federal", "Reserve", "Bank", "of", "Richmond", "and", "the", "Federal", "Home", "Loan", "Bank", "of", "Atlanta", "(", "\"", "FHLB", "Atlanta", "\"", ")", ".", "<tag2>", "We", "hold", "other", "investments", "carried", "at", "cost", "which", "includes", "stock", "in", "the", "Federal", "Reserve", "and", "the", "FHLB", ".", "<tag3>" ]
[ "We", "hold", "other", "investments", "carried", "at", "cost", "which", "includes", "stock", "in", "the", "Federal", "Reserve", "Bank", "of", "Richmond", "and", "the", "Federal", "Home", "Loan", "Bank", "of", "Atlanta", "(", "\"", "FHLB", "Atlanta", "\"", ")", "." ]
[ "We", "hold", "other", "investments", "carried", "at", "cost", "which", "includes", "stock", "in", "the", "Federal", "Reserve", "and", "the", "FHLB", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p158_s0
932781_11_item7_p158_s0
Borrowed funds consist of securities sold under agreements to repurchase, Federal Home Loan Bank advances and long-term debt as a result of issuing $15.0 million in trust preferred securities.
Borrowed funds consist of securities sold under agreements to repurchase, FHLB advances and long-term debt as a result of issuing $15.0 million in trust preferred securities.
2
[ "<tag1>", "Borrowed", "funds", "consist", "of", "securities", "sold", "under", "agreements", "to", "repurchase", ",", "Federal", "Home", "Loan", "Bank", "advances", "and", "long", "-", "term", "debt", "as", "a", "result", "of", "issuing", "$", "15.0", "million", "in", "trust", "preferred", "securities", ".", "<tag2>", "Borrowed", "funds", "consist", "of", "securities", "sold", "under", "agreements", "to", "repurchase", ",", "FHLB", "advances", "and", "long", "-", "term", "debt", "as", "a", "result", "of", "issuing", "$", "15.0", "million", "in", "trust", "preferred", "securities", ".", "<tag3>" ]
[ "Borrowed", "funds", "consist", "of", "securities", "sold", "under", "agreements", "to", "repurchase", ",", "Federal", "Home", "Loan", "Bank", "advances", "and", "long", "-", "term", "debt", "as", "a", "result", "of", "issuing", "$", "15.0", "million", "in", "trust", "preferred", "securities", "." ]
[ "Borrowed", "funds", "consist", "of", "securities", "sold", "under", "agreements", "to", "repurchase", ",", "FHLB", "advances", "and", "long", "-", "term", "debt", "as", "a", "result", "of", "issuing", "$", "15.0", "million", "in", "trust", "preferred", "securities", "." ]
[]
[ "FHLB" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p161_s0
932781_11_item7_p161_s0
The following is a schedule of the maturities for Federal Home Loan Bank Advances as of December 31, 2010 and 2009:
The following is a schedule of the maturities for FHLB Advances as of December 31, 2011 and 2010:
2
[ "<tag1>", "The", "following", "is", "a", "schedule", "of", "the", "maturities", "for", "Federal", "Home", "Loan", "Bank", "Advances", "as", "of", "December", "31", ",", "2010", "and", "2009", ":", "<tag2>", "The", "following", "is", "a", "schedule", "of", "the", "maturities", "for", "FHLB", "Advances", "as", "of", "December", "31", ",", "2011", "and", "2010", ":", "<tag3>" ]
[ "The", "following", "is", "a", "schedule", "of", "the", "maturities", "for", "Federal", "Home", "Loan", "Bank", "Advances", "as", "of", "December", "31", ",", "2010", "and", "2009", ":" ]
[ "The", "following", "is", "a", "schedule", "of", "the", "maturities", "for", "FHLB", "Advances", "as", "of", "December", "31", ",", "2011", "and", "2010", ":" ]
[]
[ "FHLB" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 0, -100, -100, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p9_s2
932781_11_item7_p169_s0
On November 21, 2008, as part of the CPP established by the Treasury under the EESA, First Community Corporation entered into the CPP Purchase Agreement with the Treasury dated November 21, 2008, whereby we issued and sold to the Treasury (i) the Series T Preferred Stock and (ii) the CPP Warrant for an aggregate purchase price of $11.350 million in cash.
On November 21, 2008, as part of the CPP, the Company entered into the CPP Purchase Agreement with the Treasury, pursuant to which we issued and sold to the Treasury (i) the Series T Preferred Stock and (ii) the CPP Warrant, for an aggregate purchase price of $11.3 million in cash.
2
[ "<tag1>", "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", "established", "by", "the", "Treasury", "under", "the", "EESA", ",", "First", "Community", "Corporation", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", "dated", "November", "21", ",", "2008", ",", "whereby", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.350", "million", "in", "cash", ".", "<tag2>", "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", ",", "the", "Company", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", ",", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", ".", "<tag3>" ]
[ "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", "established", "by", "the", "Treasury", "under", "the", "EESA", ",", "First", "Community", "Corporation", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", "dated", "November", "21", ",", "2008", ",", "whereby", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.350", "million", "in", "cash", "." ]
[ "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", ",", "the", "Company", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", ",", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", "." ]
[]
[ "Company", "pursuant", "11.3" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, 1, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p11_s2
932781_11_item7_p171_s2
The Recovery Act signed by the President on February 17, 2009 amended the terms of the agreement and allows us to redeem the Series T Preferred Stock prior to February 15, 2012.
The Recovery Act signed by the President on February 17, 2009 amended the terms of the CPP Purchase Agreement, allowing the Company to redeem the Series T Preferred Stock prior to February 15, 2012.
2
[ "<tag1>", "The", "Recovery", "Act", "signed", "by", "the", "President", "on", "February", "17", ",", "2009", "amended", "the", "terms", "of", "the", "agreement", "and", "allows", "us", "to", "redeem", "the", "Series", "T", "Preferred", "Stock", "prior", "to", "February", "15", ",", "2012", ".", "<tag2>", "The", "Recovery", "Act", "signed", "by", "the", "President", "on", "February", "17", ",", "2009", "amended", "the", "terms", "of", "the", "CPP", "Purchase", "Agreement", ",", "allowing", "the", "Company", "to", "redeem", "the", "Series", "T", "Preferred", "Stock", "prior", "to", "February", "15", ",", "2012", ".", "<tag3>" ]
[ "The", "Recovery", "Act", "signed", "by", "the", "President", "on", "February", "17", ",", "2009", "amended", "the", "terms", "of", "the", "agreement", "and", "allows", "us", "to", "redeem", "the", "Series", "T", "Preferred", "Stock", "prior", "to", "February", "15", ",", "2012", "." ]
[ "The", "Recovery", "Act", "signed", "by", "the", "President", "on", "February", "17", ",", "2009", "amended", "the", "terms", "of", "the", "CPP", "Purchase", "Agreement", ",", "allowing", "the", "Company", "to", "redeem", "the", "Series", "T", "Preferred", "Stock", "prior", "to", "February", "15", ",", "2012", "." ]
[]
[ "CPP", "Purchase", "Agreement", "allowing", "Company" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, -100, -100, 1, 1, 1, -100, 1, 0, 1, -100, -100, -100, 0, -100, 0, 0, 0, -100, 0, -100, -100, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p182_s2
932781_11_item7_p181_s0
components are subject to varying degrees of management control.
Liquidity management is made more complicated because different balance sheet components are subject to varying degrees of management control.
2
[ "<tag1>", "components", "are", "subject", "to", "varying", "degrees", "of", "management", "control", ".", "<tag2>", "Liquidity", "management", "is", "made", "more", "complicated", "because", "different", "balance", "sheet", "components", "are", "subject", "to", "varying", "degrees", "of", "management", "control", ".", "<tag3>" ]
[ "components", "are", "subject", "to", "varying", "degrees", "of", "management", "control", "." ]
[ "Liquidity", "management", "is", "made", "more", "complicated", "because", "different", "balance", "sheet", "components", "are", "subject", "to", "varying", "degrees", "of", "management", "control", "." ]
[]
[ "Liquidity", "made", "complicated", "different", "balance", "sheet" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, 0, 1, 0, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p24_s1
932781_11_item7_p20_s1
We continued to control the growth in assets by reducing funding from brokered certificates of deposits and other borrowings.
We continued to control the growth in assets by reducing funding from FHLB borrowings.
2
[ "<tag1>", "We", "continued", "to", "control", "the", "growth", "in", "assets", "by", "reducing", "funding", "from", "brokered", "certificates", "of", "deposits", "and", "other", "borrowings", ".", "<tag2>", "We", "continued", "to", "control", "the", "growth", "in", "assets", "by", "reducing", "funding", "from", "FHLB", "borrowings", ".", "<tag3>" ]
[ "We", "continued", "to", "control", "the", "growth", "in", "assets", "by", "reducing", "funding", "from", "brokered", "certificates", "of", "deposits", "and", "other", "borrowings", "." ]
[ "We", "continued", "to", "control", "the", "growth", "in", "assets", "by", "reducing", "funding", "from", "FHLB", "borrowings", "." ]
[]
[ "FHLB" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 1, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p42_s2
932781_11_item7_p38_s1
This resulted in an increase in our net interest spread of 2 basis points in 2009 as compared to 2008.
This resulted in an increase in our net interest spread of 10 basis points in 2011 as compared to 2010.
2
[ "<tag1>", "This", "resulted", "in", "an", "increase", "in", "our", "net", "interest", "spread", "of", "2", "basis", "points", "in", "2009", "as", "compared", "to", "2008", ".", "<tag2>", "This", "resulted", "in", "an", "increase", "in", "our", "net", "interest", "spread", "of", "10", "basis", "points", "in", "2011", "as", "compared", "to", "2010", ".", "<tag3>" ]
[ "This", "resulted", "in", "an", "increase", "in", "our", "net", "interest", "spread", "of", "2", "basis", "points", "in", "2009", "as", "compared", "to", "2008", "." ]
[ "This", "resulted", "in", "an", "increase", "in", "our", "net", "interest", "spread", "of", "10", "basis", "points", "in", "2011", "as", "compared", "to", "2010", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p43_s6
932781_11_item7_p39_s0
funding sources and in 2009 these balances represented 76.4% of our interest bearing funding sources.
Throughout 2010, time deposits and borrowed funds represented 70.3% of our total interest bearing funding sources and in 2009 these balances represented 76.4% of our interest bearing funding sources.
2
[ "<tag1>", "funding", "sources", "and", "in", "2009", "these", "balances", "represented", "76.4", "%", "of", "our", "interest", "bearing", "funding", "sources", ".", "<tag2>", "Throughout", "2010", ",", "time", "deposits", "and", "borrowed", "funds", "represented", "70.3", "%", "of", "our", "total", "interest", "bearing", "funding", "sources", "and", "in", "2009", "these", "balances", "represented", "76.4", "%", "of", "our", "interest", "bearing", "funding", "sources", ".", "<tag3>" ]
[ "funding", "sources", "and", "in", "2009", "these", "balances", "represented", "76.4", "%", "of", "our", "interest", "bearing", "funding", "sources", "." ]
[ "Throughout", "2010", ",", "time", "deposits", "and", "borrowed", "funds", "represented", "70.3", "%", "of", "our", "total", "interest", "bearing", "funding", "sources", "and", "in", "2009", "these", "balances", "represented", "76.4", "%", "of", "our", "interest", "bearing", "funding", "sources", "." ]
[]
[ "Throughout", "2010", "time", "deposits", "borrowed", "funds", "70.3", "total" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 1, 1, 0, 1, 1, 0, 1, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p67_s0
932781_11_item7_p61_s3
We also consider subjective issues such as changes in the lending policies and procedures, changes in the local/national economy, changes in volume or type of credits, changes in volume/severity of problem loans, quality of loan review and board of director oversight and concentrations of credit.
type of credits, changes in volume/severity of problem loans, quality of loan review and board of director oversight and concentrations of credit.
2
[ "<tag1>", "We", "also", "consider", "subjective", "issues", "such", "as", "changes", "in", "the", "lending", "policies", "and", "procedures", ",", "changes", "in", "the", "local", "/", "national", "economy", ",", "changes", "in", "volume", "or", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", ".", "<tag2>", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", ".", "<tag3>" ]
[ "We", "also", "consider", "subjective", "issues", "such", "as", "changes", "in", "the", "lending", "policies", "and", "procedures", ",", "changes", "in", "the", "local", "/", "national", "economy", ",", "changes", "in", "volume", "or", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", "." ]
[ "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p70_s2
932781_11_item7_p65_s2
We are not immune to the continued effects of the recessionary economy and continue to experience some deterioration of our loan portfolio in general as evidenced by the increase in non-performing assets from $2.5 million (0.28% of total assets) at December 31, 2008 to $8.3 million (0.85% of total assets) at December 31, 2009 and $13.2 million (2.20% of total assets) at December 31, 2010.
We are not immune to the continued effects of the recessionary economy and continue to experience some deterioration of our loan portfolio in general as evidenced by the increase in non-performing assets from our pre 2008 historic levels.
2
[ "<tag1>", "We", "are", "not", "immune", "to", "the", "continued", "effects", "of", "the", "recessionary", "economy", "and", "continue", "to", "experience", "some", "deterioration", "of", "our", "loan", "portfolio", "in", "general", "as", "evidenced", "by", "the", "increase", "in", "non", "-", "performing", "assets", "from", "$", "2.5", "million", "(", "0.28", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2008", "to", "$", "8.3", "million", "(", "0.85", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2009", "and", "$", "13.2", "million", "(", "2.20", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2010", ".", "<tag2>", "We", "are", "not", "immune", "to", "the", "continued", "effects", "of", "the", "recessionary", "economy", "and", "continue", "to", "experience", "some", "deterioration", "of", "our", "loan", "portfolio", "in", "general", "as", "evidenced", "by", "the", "increase", "in", "non", "-", "performing", "assets", "from", "our", "pre", "2008", "historic", "levels", ".", "<tag3>" ]
[ "We", "are", "not", "immune", "to", "the", "continued", "effects", "of", "the", "recessionary", "economy", "and", "continue", "to", "experience", "some", "deterioration", "of", "our", "loan", "portfolio", "in", "general", "as", "evidenced", "by", "the", "increase", "in", "non", "-", "performing", "assets", "from", "$", "2.5", "million", "(", "0.28", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2008", "to", "$", "8.3", "million", "(", "0.85", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2009", "and", "$", "13.2", "million", "(", "2.20", "%", "of", "total", "assets", ")", "at", "December", "31", ",", "2010", "." ]
[ "We", "are", "not", "immune", "to", "the", "continued", "effects", "of", "the", "recessionary", "economy", "and", "continue", "to", "experience", "some", "deterioration", "of", "our", "loan", "portfolio", "in", "general", "as", "evidenced", "by", "the", "increase", "in", "non", "-", "performing", "assets", "from", "our", "pre", "2008", "historic", "levels", "." ]
[]
[ "pre", "historic", "levels" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, -100, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 1, -100, 1, 1, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p70_s4
932781_11_item7_p65_s3
While we believe these ratios remain favorable in comparison to current industry results, we are concerned about the impact of this economic environment on our customer base of local businesses and professionals.
While we have seen modest moderation in this ratio as of December 31, 2011 and we believe our ratios remain favorable in comparison to current industry results, we continue to be concerned about the impact of this economic environment on our customer base of local businesses and professionals.
2
[ "<tag1>", "While", "we", "believe", "these", "ratios", "remain", "favorable", "in", "comparison", "to", "current", "industry", "results", ",", "we", "are", "concerned", "about", "the", "impact", "of", "this", "economic", "environment", "on", "our", "customer", "base", "of", "local", "businesses", "and", "professionals", ".", "<tag2>", "While", "we", "have", "seen", "modest", "moderation", "in", "this", "ratio", "as", "of", "December", "31", ",", "2011", "and", "we", "believe", "our", "ratios", "remain", "favorable", "in", "comparison", "to", "current", "industry", "results", ",", "we", "continue", "to", "be", "concerned", "about", "the", "impact", "of", "this", "economic", "environment", "on", "our", "customer", "base", "of", "local", "businesses", "and", "professionals", ".", "<tag3>" ]
[ "While", "we", "believe", "these", "ratios", "remain", "favorable", "in", "comparison", "to", "current", "industry", "results", ",", "we", "are", "concerned", "about", "the", "impact", "of", "this", "economic", "environment", "on", "our", "customer", "base", "of", "local", "businesses", "and", "professionals", "." ]
[ "While", "we", "have", "seen", "modest", "moderation", "in", "this", "ratio", "as", "of", "December", "31", ",", "2011", "and", "we", "believe", "our", "ratios", "remain", "favorable", "in", "comparison", "to", "current", "industry", "results", ",", "we", "continue", "to", "be", "concerned", "about", "the", "impact", "of", "this", "economic", "environment", "on", "our", "customer", "base", "of", "local", "businesses", "and", "professionals", "." ]
[]
[ "seen", "modest", "moderation", "ratio", "December", "31", "continue" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 1, 1, 1, -100, -100, 1, -100, -100, 1, 1, -100, 0, -100, 0, -100, 0, 0, 0, 0, -100, 0, 0, 0, 0, -100, -100, 0, 1, -100, -100, 0, 0, 0, -100, 0, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p79_s1
932781_11_item7_p73_s1
The largest of these is for $2.2 million.
The largest of these is for $3.1 million.
2
[ "<tag1>", "The", "largest", "of", "these", "is", "for", "$", "2.2", "million", ".", "<tag2>", "The", "largest", "of", "these", "is", "for", "$", "3.1", "million", ".", "<tag3>" ]
[ "The", "largest", "of", "these", "is", "for", "$", "2.2", "million", "." ]
[ "The", "largest", "of", "these", "is", "for", "$", "3.1", "million", "." ]
[]
[ "3.1" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, 0, -100, -100, 1, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p98_s2
932781_11_item7_p88_s2
The increase primarily relates to increases in ATM surcharge and debit card exchange fees as well as modest increases in other miscellaneous fees.
The increase primarily relates to increases in ATM surcharge and debit card exchange fees of $220 thousand.
2
[ "<tag1>", "The", "increase", "primarily", "relates", "to", "increases", "in", "ATM", "surcharge", "and", "debit", "card", "exchange", "fees", "as", "well", "as", "modest", "increases", "in", "other", "miscellaneous", "fees", ".", "<tag2>", "The", "increase", "primarily", "relates", "to", "increases", "in", "ATM", "surcharge", "and", "debit", "card", "exchange", "fees", "of", "$", "220", "thousand", ".", "<tag3>" ]
[ "The", "increase", "primarily", "relates", "to", "increases", "in", "ATM", "surcharge", "and", "debit", "card", "exchange", "fees", "as", "well", "as", "modest", "increases", "in", "other", "miscellaneous", "fees", "." ]
[ "The", "increase", "primarily", "relates", "to", "increases", "in", "ATM", "surcharge", "and", "debit", "card", "exchange", "fees", "of", "$", "220", "thousand", "." ]
[]
[ "220", "thousand" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, 0, -100, 0, 0, 0, -100, -100, -100, -100, -100, 0, 1, 1, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p9_s2
932781_11_item7_p8_s2
On November 21, 2008, as part of the CPP established by the Treasury under the EESA, First Community Corporation entered into the CPP Purchase Agreement with the Treasury dated November 21, 2008 pursuant to which we issued and sold to the Treasury (i) the Series T Preferred Stock and (ii) the CPP Warrant, for an aggregate purchase price of $11.3 million in cash.
On November 21, 2008, as part of the CPP, the Company entered into the CPP Purchase Agreement with the Treasury, pursuant to which we issued and sold to the Treasury (i) the Series T Preferred Stock and (ii) the CPP Warrant, for an aggregate purchase price of $11.3 million in cash.
2
[ "<tag1>", "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", "established", "by", "the", "Treasury", "under", "the", "EESA", ",", "First", "Community", "Corporation", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", "dated", "November", "21", ",", "2008", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", ".", "<tag2>", "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", ",", "the", "Company", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", ",", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", ".", "<tag3>" ]
[ "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", "established", "by", "the", "Treasury", "under", "the", "EESA", ",", "First", "Community", "Corporation", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", "dated", "November", "21", ",", "2008", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", "." ]
[ "On", "November", "21", ",", "2008", ",", "as", "part", "of", "the", "CPP", ",", "the", "Company", "entered", "into", "the", "CPP", "Purchase", "Agreement", "with", "the", "Treasury", ",", "pursuant", "to", "which", "we", "issued", "and", "sold", "to", "the", "Treasury", "(", "i", ")", "the", "Series", "T", "Preferred", "Stock", "and", "(", "ii", ")", "the", "CPP", "Warrant", ",", "for", "an", "aggregate", "purchase", "price", "of", "$", "11.3", "million", "in", "cash", "." ]
[]
[ "Company" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_12_item7_p103_s4
932781_11_item7_p93_s5
The increase in number of full time equivalent employees, normal salary adjustments made over the last 12 months as well as a lower amount of deferred salary expense resulting from decreased loan originations account for the increase in salary and benefit expense in 2010 as compared to 2009.
The increase in number of full time equivalent employees, as well as normal salary adjustments made over the last 12 months, account for the increase in salary and benefit expense in 2011 as compared to 2010.
2
[ "<tag1>", "The", "increase", "in", "number", "of", "full", "time", "equivalent", "employees", ",", "normal", "salary", "adjustments", "made", "over", "the", "last", "12", "months", "as", "well", "as", "a", "lower", "amount", "of", "deferred", "salary", "expense", "resulting", "from", "decreased", "loan", "originations", "account", "for", "the", "increase", "in", "salary", "and", "benefit", "expense", "in", "2010", "as", "compared", "to", "2009", ".", "<tag2>", "The", "increase", "in", "number", "of", "full", "time", "equivalent", "employees", ",", "as", "well", "as", "normal", "salary", "adjustments", "made", "over", "the", "last", "12", "months", ",", "account", "for", "the", "increase", "in", "salary", "and", "benefit", "expense", "in", "2011", "as", "compared", "to", "2010", ".", "<tag3>" ]
[ "The", "increase", "in", "number", "of", "full", "time", "equivalent", "employees", ",", "normal", "salary", "adjustments", "made", "over", "the", "last", "12", "months", "as", "well", "as", "a", "lower", "amount", "of", "deferred", "salary", "expense", "resulting", "from", "decreased", "loan", "originations", "account", "for", "the", "increase", "in", "salary", "and", "benefit", "expense", "in", "2010", "as", "compared", "to", "2009", "." ]
[ "The", "increase", "in", "number", "of", "full", "time", "equivalent", "employees", ",", "as", "well", "as", "normal", "salary", "adjustments", "made", "over", "the", "last", "12", "months", ",", "account", "for", "the", "increase", "in", "salary", "and", "benefit", "expense", "in", "2011", "as", "compared", "to", "2010", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p96_s5
932781_12_item7_p114_s0
Taxes, to the financial statements for a reconciliation of the tax expense.
See Note 14, Income Taxes, to the financial statements for a reconciliation of the tax expense.
2
[ "<tag1>", "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", ".", "<tag2>", "See", "Note", "14", ",", "Income", "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", ".", "<tag3>" ]
[ "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", "." ]
[ "See", "Note", "14", ",", "Income", "Taxes", ",", "to", "the", "financial", "statements", "for", "a", "reconciliation", "of", "the", "tax", "expense", "." ]
[]
[ "See", "Note", "14", "Income" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 0, 1, 0, -100, -100, -100, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p100_s0
932781_12_item7_p118_s0
During 2011, we began to close and fund loans originated for sale, in the secondary market, in the name of First Community Bank, N.A.
During 2011, we began to close and fund loans originated for sale, in the secondary market, in the name of the Bank.
2
[ "<tag1>", "During", "2011", ",", "we", "began", "to", "close", "and", "fund", "loans", "originated", "for", "sale", ",", "in", "the", "secondary", "market", ",", "in", "the", "name", "of", "First", "Community", "Bank", ",", "N.A.", "<tag2>", "During", "2011", ",", "we", "began", "to", "close", "and", "fund", "loans", "originated", "for", "sale", ",", "in", "the", "secondary", "market", ",", "in", "the", "name", "of", "the", "Bank", ".", "<tag3>" ]
[ "During", "2011", ",", "we", "began", "to", "close", "and", "fund", "loans", "originated", "for", "sale", ",", "in", "the", "secondary", "market", ",", "in", "the", "name", "of", "First", "Community", "Bank", ",", "N.A." ]
[ "During", "2011", ",", "we", "began", "to", "close", "and", "fund", "loans", "originated", "for", "sale", ",", "in", "the", "secondary", "market", ",", "in", "the", "name", "of", "the", "Bank", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p100_s5
932781_12_item7_p118_s5
Short-term federal funds sold and interest-bearing bank balances decreased from $19.3 million at December 31, 2010 to $5.9 million at December 31, 2011.
Short-term federal funds sold and interest-bearing bank balances were $7.0 million at December 31, 2012 compared to $5.9 million at December 31, 2011.
2
[ "<tag1>", "Short", "-", "term", "federal", "funds", "sold", "and", "interest", "-", "bearing", "bank", "balances", "decreased", "from", "$", "19.3", "million", "at", "December", "31", ",", "2010", "to", "$", "5.9", "million", "at", "December", "31", ",", "2011", ".", "<tag2>", "Short", "-", "term", "federal", "funds", "sold", "and", "interest", "-", "bearing", "bank", "balances", "were", "$", "7.0", "million", "at", "December", "31", ",", "2012", "compared", "to", "$", "5.9", "million", "at", "December", "31", ",", "2011", ".", "<tag3>" ]
[ "Short", "-", "term", "federal", "funds", "sold", "and", "interest", "-", "bearing", "bank", "balances", "decreased", "from", "$", "19.3", "million", "at", "December", "31", ",", "2010", "to", "$", "5.9", "million", "at", "December", "31", ",", "2011", "." ]
[ "Short", "-", "term", "federal", "funds", "sold", "and", "interest", "-", "bearing", "bank", "balances", "were", "$", "7.0", "million", "at", "December", "31", ",", "2012", "compared", "to", "$", "5.9", "million", "at", "December", "31", ",", "2011", "." ]
[]
[ "7.0", "2012", "compared" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, -100, 0, -100, 0, -100, 0, 0, -100, -100, 0, 1, -100, -100, -100, -100, -100, 1, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p105_s1
932781_12_item7_p123_s2
Due to the low interest rate environment and the reduction in below investment grade securities, accumulated other comprehensive income increased from a deficit at December 31, 2010 of $2.2 million to a positive $1.3 million at December 31, 2011.
Due to the low interest rate environment and the continued reduction in below investment grade securities, accumulated other comprehensive income increased from $1.3 million at December 31, 2011 to $2.4 million at December 31, 2012.
2
[ "<tag1>", "Due", "to", "the", "low", "interest", "rate", "environment", "and", "the", "reduction", "in", "below", "investment", "grade", "securities", ",", "accumulated", "other", "comprehensive", "income", "increased", "from", "a", "deficit", "at", "December", "31", ",", "2010", "of", "$", "2.2", "million", "to", "a", "positive", "$", "1.3", "million", "at", "December", "31", ",", "2011", ".", "<tag2>", "Due", "to", "the", "low", "interest", "rate", "environment", "and", "the", "continued", "reduction", "in", "below", "investment", "grade", "securities", ",", "accumulated", "other", "comprehensive", "income", "increased", "from", "$", "1.3", "million", "at", "December", "31", ",", "2011", "to", "$", "2.4", "million", "at", "December", "31", ",", "2012", ".", "<tag3>" ]
[ "Due", "to", "the", "low", "interest", "rate", "environment", "and", "the", "reduction", "in", "below", "investment", "grade", "securities", ",", "accumulated", "other", "comprehensive", "income", "increased", "from", "a", "deficit", "at", "December", "31", ",", "2010", "of", "$", "2.2", "million", "to", "a", "positive", "$", "1.3", "million", "at", "December", "31", ",", "2011", "." ]
[ "Due", "to", "the", "low", "interest", "rate", "environment", "and", "the", "continued", "reduction", "in", "below", "investment", "grade", "securities", ",", "accumulated", "other", "comprehensive", "income", "increased", "from", "$", "1.3", "million", "at", "December", "31", ",", "2011", "to", "$", "2.4", "million", "at", "December", "31", ",", "2012", "." ]
[]
[ "continued", "2.4" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, -100, 0, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p120_s4
932781_12_item7_p137_s4
Starting in early 2009, many of these securities acquired in the leverage strategy, as well as others that were owned prior to 2008, began to be downgraded by the various rating agencies, and at December 31, 2011, 10 CUSIPs held have been downgraded below investment grade.
Starting in early 2009, many of these securities acquired in the leverage strategy, as well as others that were owned prior to 2008, began to be downgraded by the various rating agencies.
2
[ "<tag1>", "Starting", "in", "early", "2009", ",", "many", "of", "these", "securities", "acquired", "in", "the", "leverage", "strategy", ",", "as", "well", "as", "others", "that", "were", "owned", "prior", "to", "2008", ",", "began", "to", "be", "downgraded", "by", "the", "various", "rating", "agencies", ",", "and", "at", "December", "31", ",", "2011", ",", "10", "CUSIPs", "held", "have", "been", "downgraded", "below", "investment", "grade", ".", "<tag2>", "Starting", "in", "early", "2009", ",", "many", "of", "these", "securities", "acquired", "in", "the", "leverage", "strategy", ",", "as", "well", "as", "others", "that", "were", "owned", "prior", "to", "2008", ",", "began", "to", "be", "downgraded", "by", "the", "various", "rating", "agencies", ".", "<tag3>" ]
[ "Starting", "in", "early", "2009", ",", "many", "of", "these", "securities", "acquired", "in", "the", "leverage", "strategy", ",", "as", "well", "as", "others", "that", "were", "owned", "prior", "to", "2008", ",", "began", "to", "be", "downgraded", "by", "the", "various", "rating", "agencies", ",", "and", "at", "December", "31", ",", "2011", ",", "10", "CUSIPs", "held", "have", "been", "downgraded", "below", "investment", "grade", "." ]
[ "Starting", "in", "early", "2009", ",", "many", "of", "these", "securities", "acquired", "in", "the", "leverage", "strategy", ",", "as", "well", "as", "others", "that", "were", "owned", "prior", "to", "2008", ",", "began", "to", "be", "downgraded", "by", "the", "various", "rating", "agencies", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p124_s0
932781_12_item7_p144_s0
the holder paid for the bond or the impact that they are multi-obligor securities.
The current rating process does not adequately consider what the holder paid for the bond or the impact that they are multi-obligor securities.
2
[ "<tag1>", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", ".", "<tag2>", "The", "current", "rating", "process", "does", "not", "adequately", "consider", "what", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", ".", "<tag3>" ]
[ "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", "." ]
[ "The", "current", "rating", "process", "does", "not", "adequately", "consider", "what", "the", "holder", "paid", "for", "the", "bond", "or", "the", "impact", "that", "they", "are", "multi", "-", "obligor", "securities", "." ]
[]
[ "current", "rating", "process", "adequately", "consider" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 1, 0, 0, 1, 1, -100, 0, 0, -100, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, -100, 0, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p129_s1
932781_12_item7_p149_s1
During 2009 we started maintaining the majority of our short term overnight investments in our account at the Federal Reserve rather than in federal funds at various correspondent banks.
We maintain the majority of our short term overnight investments in our account at the Federal Reserve rather than in federal funds at various correspondent banks due to the lower regulatory capital risk weighting.
2
[ "<tag1>", "During", "2009", "we", "started", "maintaining", "the", "majority", "of", "our", "short", "term", "overnight", "investments", "in", "our", "account", "at", "the", "Federal", "Reserve", "rather", "than", "in", "federal", "funds", "at", "various", "correspondent", "banks", ".", "<tag2>", "We", "maintain", "the", "majority", "of", "our", "short", "term", "overnight", "investments", "in", "our", "account", "at", "the", "Federal", "Reserve", "rather", "than", "in", "federal", "funds", "at", "various", "correspondent", "banks", "due", "to", "the", "lower", "regulatory", "capital", "risk", "weighting", ".", "<tag3>" ]
[ "During", "2009", "we", "started", "maintaining", "the", "majority", "of", "our", "short", "term", "overnight", "investments", "in", "our", "account", "at", "the", "Federal", "Reserve", "rather", "than", "in", "federal", "funds", "at", "various", "correspondent", "banks", "." ]
[ "We", "maintain", "the", "majority", "of", "our", "short", "term", "overnight", "investments", "in", "our", "account", "at", "the", "Federal", "Reserve", "rather", "than", "in", "federal", "funds", "at", "various", "correspondent", "banks", "due", "to", "the", "lower", "regulatory", "capital", "risk", "weighting", "." ]
[]
[ "maintain", "due", "lower", "regulatory", "capital", "risk", "weighting" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, 0, 0, 0, 0, 0, -100, 0, 0, 0, -100, -100, 0, 0, -100, -100, 0, 0, -100, -100, 0, 0, 0, 0, 1, 0, 0, 1, 1, 1, 1, 1, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p143_s4
932781_12_item7_p165_s1
Retention of earnings available to common shareholders less dividend payments on our common stock, plus an increase in accumulated other comprehensive income accounted for the increase in shareholders' equity.
The remaining net proceeds from the common stock offering along with retention of earnings available to common shareholders less dividend payments on our common stock, plus an increase in accumulated other comprehensive income accounted for the increase in shareholders' equity.
2
[ "<tag1>", "Retention", "of", "earnings", "available", "to", "common", "shareholders", "less", "dividend", "payments", "on", "our", "common", "stock", ",", "plus", "an", "increase", "in", "accumulated", "other", "comprehensive", "income", "accounted", "for", "the", "increase", "in", "shareholders", "'", "equity", ".", "<tag2>", "The", "remaining", "net", "proceeds", "from", "the", "common", "stock", "offering", "along", "with", "retention", "of", "earnings", "available", "to", "common", "shareholders", "less", "dividend", "payments", "on", "our", "common", "stock", ",", "plus", "an", "increase", "in", "accumulated", "other", "comprehensive", "income", "accounted", "for", "the", "increase", "in", "shareholders", "'", "equity", ".", "<tag3>" ]
[ "Retention", "of", "earnings", "available", "to", "common", "shareholders", "less", "dividend", "payments", "on", "our", "common", "stock", ",", "plus", "an", "increase", "in", "accumulated", "other", "comprehensive", "income", "accounted", "for", "the", "increase", "in", "shareholders", "'", "equity", "." ]
[ "The", "remaining", "net", "proceeds", "from", "the", "common", "stock", "offering", "along", "with", "retention", "of", "earnings", "available", "to", "common", "shareholders", "less", "dividend", "payments", "on", "our", "common", "stock", ",", "plus", "an", "increase", "in", "accumulated", "other", "comprehensive", "income", "accounted", "for", "the", "increase", "in", "shareholders", "'", "equity", "." ]
[]
[ "remaining", "net", "proceeds", "offering", "along", "retention" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 1, -100, -100, 0, -100, 1, 1, 0, 1, 0, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, -100, 0, 0, -100, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p22_s0
932781_12_item7_p33_s4
Net interest spread, the difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 3.11% in 2011, as compared to 3.01% in 2010.
difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 2.95% in 2012 as compared to 3.11% in 2011.
2
[ "<tag1>", "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "3.11", "%", "in", "2011", ",", "as", "compared", "to", "3.01", "%", "in", "2010", ".", "<tag2>", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", ".", "<tag3>" ]
[ "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "3.11", "%", "in", "2011", ",", "as", "compared", "to", "3.01", "%", "in", "2010", "." ]
[ "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", "." ]
[]
[ "2.95" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p22_s0
932781_12_item7_p35_s4
Net interest spread, the difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 2.80% in 2009 as compared to 3.01% in 2010.
difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 2.95% in 2012 as compared to 3.11% in 2011.
2
[ "<tag1>", "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.80", "%", "in", "2009", "as", "compared", "to", "3.01", "%", "in", "2010", ".", "<tag2>", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", ".", "<tag3>" ]
[ "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.80", "%", "in", "2009", "as", "compared", "to", "3.01", "%", "in", "2010", "." ]
[ "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", "." ]
[]
[ "2.95", "3.11" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, 1, -100, -100, -100, -100, 0, -100, 1, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p23_s9
932781_12_item7_p35_s9
As discussed below under "Non-interest income and expense," the increase is primarily attributable to increases in salary and benefits of $680 thousand and $622 thousand in other real estate expenses in 2010 as compared to 2009.
As discussed below under "Non-interest income and expense," the increase is primarily attributable to increases in salary and benefits of $578 thousand in 2011 as compared to 2010.
2
[ "<tag1>", "As", "discussed", "below", "under", "\"", "Non", "-", "interest", "income", "and", "expense", ",", "\"", "the", "increase", "is", "primarily", "attributable", "to", "increases", "in", "salary", "and", "benefits", "of", "$", "680", "thousand", "and", "$", "622", "thousand", "in", "other", "real", "estate", "expenses", "in", "2010", "as", "compared", "to", "2009", ".", "<tag2>", "As", "discussed", "below", "under", "\"", "Non", "-", "interest", "income", "and", "expense", ",", "\"", "the", "increase", "is", "primarily", "attributable", "to", "increases", "in", "salary", "and", "benefits", "of", "$", "578", "thousand", "in", "2011", "as", "compared", "to", "2010", ".", "<tag3>" ]
[ "As", "discussed", "below", "under", "\"", "Non", "-", "interest", "income", "and", "expense", ",", "\"", "the", "increase", "is", "primarily", "attributable", "to", "increases", "in", "salary", "and", "benefits", "of", "$", "680", "thousand", "and", "$", "622", "thousand", "in", "other", "real", "estate", "expenses", "in", "2010", "as", "compared", "to", "2009", "." ]
[ "As", "discussed", "below", "under", "\"", "Non", "-", "interest", "income", "and", "expense", ",", "\"", "the", "increase", "is", "primarily", "attributable", "to", "increases", "in", "salary", "and", "benefits", "of", "$", "578", "thousand", "in", "2011", "as", "compared", "to", "2010", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p53_s3
932781_12_item7_p67_s0
type of credits, changes in volume/severity of problem loans, quality of loan review and board of director oversight and concentrations of credit.
We also consider subjective issues such as changes in the lending policies and procedures, changes in the local/national economy, changes in volume or type of credits, changes in volume/severity of problem loans, quality of loan review and board of director oversight and concentrations of credit.
2
[ "<tag1>", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", ".", "<tag2>", "We", "also", "consider", "subjective", "issues", "such", "as", "changes", "in", "the", "lending", "policies", "and", "procedures", ",", "changes", "in", "the", "local", "/", "national", "economy", ",", "changes", "in", "volume", "or", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", ".", "<tag3>" ]
[ "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", "." ]
[ "We", "also", "consider", "subjective", "issues", "such", "as", "changes", "in", "the", "lending", "policies", "and", "procedures", ",", "changes", "in", "the", "local", "/", "national", "economy", ",", "changes", "in", "volume", "or", "type", "of", "credits", ",", "changes", "in", "volume", "/", "severity", "of", "problem", "loans", ",", "quality", "of", "loan", "review", "and", "board", "of", "director", "oversight", "and", "concentrations", "of", "credit", "." ]
[]
[ "also", "consider", "subjective", "issues", "lending", "policies", "procedures", "local", "national", "economy" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 1, 1, 0, 0, 0, -100, 0, 1, 1, 0, 1, 0, -100, 0, 0, 1, -100, 1, 1, 0, 0, -100, 0, 0, 0, -100, 0, 0, 0, 0, -100, 0, 0, -100, 0, 0, -100, -100, -100, 0, 0, -100, 0, 0, 0, -100, 0, 0, 0, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p54_s0
932781_12_item7_p67_s1
Periodically, we adjust the amount of the allowance based on changing circumstances.
amount of the allowance based on changing circumstances.
2
[ "<tag1>", "Periodically", ",", "we", "adjust", "the", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", ".", "<tag2>", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", ".", "<tag3>" ]
[ "Periodically", ",", "we", "adjust", "the", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", "." ]
[ "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p73_s8
932781_12_item7_p89_s0
Changes to Regulation E that became effective July 1, 2010 required that customers affirmatively opt in to our overdraft protection program.
Deposit service charges decreased by $248 thousand in 2012 as compared to 2011, primarily as a result of changes to Regulation E that became effective July 1, 2010 required that customers affirmatively opt in to our overdraft protection program.
2
[ "<tag1>", "Changes", "to", "Regulation", "E", "that", "became", "effective", "July", "1", ",", "2010", "required", "that", "customers", "affirmatively", "opt", "in", "to", "our", "overdraft", "protection", "program", ".", "<tag2>", "Deposit", "service", "charges", "decreased", "by", "$", "248", "thousand", "in", "2012", "as", "compared", "to", "2011", ",", "primarily", "as", "a", "result", "of", "changes", "to", "Regulation", "E", "that", "became", "effective", "July", "1", ",", "2010", "required", "that", "customers", "affirmatively", "opt", "in", "to", "our", "overdraft", "protection", "program", ".", "<tag3>" ]
[ "Changes", "to", "Regulation", "E", "that", "became", "effective", "July", "1", ",", "2010", "required", "that", "customers", "affirmatively", "opt", "in", "to", "our", "overdraft", "protection", "program", "." ]
[ "Deposit", "service", "charges", "decreased", "by", "$", "248", "thousand", "in", "2012", "as", "compared", "to", "2011", ",", "primarily", "as", "a", "result", "of", "changes", "to", "Regulation", "E", "that", "became", "effective", "July", "1", ",", "2010", "required", "that", "customers", "affirmatively", "opt", "in", "to", "our", "overdraft", "protection", "program", "." ]
[]
[ "Deposit", "service", "charges", "decreased", "248", "thousand", "2012", "compared", "primarily", "result", "changes" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 1, 0, 0, 1, 1, 0, 1, 0, 1, 0, 0, 0, 1, 0, 0, 1, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p81_s5
932781_12_item7_p90_s5
This increase results from a continued effort and emphasis placed on this revenue source, as well as an overall increase in the assets under management as a result of the increases in the stock market during 2011.
This increase results from a continued effort and emphasis placed on this revenue source, as well as an overall increase in the assets under management.
2
[ "<tag1>", "This", "increase", "results", "from", "a", "continued", "effort", "and", "emphasis", "placed", "on", "this", "revenue", "source", ",", "as", "well", "as", "an", "overall", "increase", "in", "the", "assets", "under", "management", "as", "a", "result", "of", "the", "increases", "in", "the", "stock", "market", "during", "2011", ".", "<tag2>", "This", "increase", "results", "from", "a", "continued", "effort", "and", "emphasis", "placed", "on", "this", "revenue", "source", ",", "as", "well", "as", "an", "overall", "increase", "in", "the", "assets", "under", "management", ".", "<tag3>" ]
[ "This", "increase", "results", "from", "a", "continued", "effort", "and", "emphasis", "placed", "on", "this", "revenue", "source", ",", "as", "well", "as", "an", "overall", "increase", "in", "the", "assets", "under", "management", "as", "a", "result", "of", "the", "increases", "in", "the", "stock", "market", "during", "2011", "." ]
[ "This", "increase", "results", "from", "a", "continued", "effort", "and", "emphasis", "placed", "on", "this", "revenue", "source", ",", "as", "well", "as", "an", "overall", "increase", "in", "the", "assets", "under", "management", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p102_s0
932781_12_item7_p91_s1
The net gains related primarily to the sale of certain non-agency MBSs that had previously been downgraded by the rating agencies to below investment grade, other investment grade non-agency MBSs, agency MBSs and shares of Federal Home Loan Mortgage Corporation (FHLMC) preferred stock.
During 2011 and 2012, we sold certain non-agency MBSs that had previously been downgraded by the rating agencies to below investment grade, other investment grade non-agency MBSs, agency MBSs and shares of FHLMC preferred stock.
2
[ "<tag1>", "The", "net", "gains", "related", "primarily", "to", "the", "sale", "of", "certain", "non", "-", "agency", "MBSs", "that", "had", "previously", "been", "downgraded", "by", "the", "rating", "agencies", "to", "below", "investment", "grade", ",", "other", "investment", "grade", "non", "-", "agency", "MBSs", ",", "agency", "MBSs", "and", "shares", "of", "Federal", "Home", "Loan", "Mortgage", "Corporation", "(", "FHLMC", ")", "preferred", "stock", ".", "<tag2>", "During", "2011", "and", "2012", ",", "we", "sold", "certain", "non", "-", "agency", "MBSs", "that", "had", "previously", "been", "downgraded", "by", "the", "rating", "agencies", "to", "below", "investment", "grade", ",", "other", "investment", "grade", "non", "-", "agency", "MBSs", ",", "agency", "MBSs", "and", "shares", "of", "FHLMC", "preferred", "stock", ".", "<tag3>" ]
[ "The", "net", "gains", "related", "primarily", "to", "the", "sale", "of", "certain", "non", "-", "agency", "MBSs", "that", "had", "previously", "been", "downgraded", "by", "the", "rating", "agencies", "to", "below", "investment", "grade", ",", "other", "investment", "grade", "non", "-", "agency", "MBSs", ",", "agency", "MBSs", "and", "shares", "of", "Federal", "Home", "Loan", "Mortgage", "Corporation", "(", "FHLMC", ")", "preferred", "stock", "." ]
[ "During", "2011", "and", "2012", ",", "we", "sold", "certain", "non", "-", "agency", "MBSs", "that", "had", "previously", "been", "downgraded", "by", "the", "rating", "agencies", "to", "below", "investment", "grade", ",", "other", "investment", "grade", "non", "-", "agency", "MBSs", ",", "agency", "MBSs", "and", "shares", "of", "FHLMC", "preferred", "stock", "." ]
[]
[ "2011", "sold" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, 1, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_13_item7_p76_s5
932781_12_item7_p91_s4
The cash generated from these transactions has been reinvested in our investment portfolio, primarily in securities with a risk rating of 20% or less.
The proceeds were reinvested in our investment portfolio, primarily in securities with a risk rating of 20% or less.
2
[ "<tag1>", "The", "cash", "generated", "from", "these", "transactions", "has", "been", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", ".", "<tag2>", "The", "proceeds", "were", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", ".", "<tag3>" ]
[ "The", "cash", "generated", "from", "these", "transactions", "has", "been", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", "." ]
[ "The", "proceeds", "were", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", "." ]
[]
[ "proceeds" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p123_s0
932781_13_item7_p104_s1
The offering resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
As previously noted, in 2012, we closed on a public offering of common stock which resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
2
[ "<tag1>", "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag2>", "As", "previously", "noted", ",", "in", "2012", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag3>" ]
[ "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[ "As", "previously", "noted", ",", "in", "2012", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[]
[ "previously", "noted", "closed", "public" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, -100, 0, -100, -100, 1, 0, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p89_s1
932781_13_item7_p143_s0
As previously noted, we closed on a public offering of common stock which resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
The offering resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
2
[ "<tag1>", "As", "previously", "noted", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag2>", "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag3>" ]
[ "As", "previously", "noted", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[ "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p20_s0
932781_13_item7_p22_s0
difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 2.95% in 2012 as compared to 3.11% in 2011.
Net interest spread, the difference between the yield on earning assets and the rate paid on interest-bearing liabilities, was 2.94% in 2013 as compared to 2.95% in 2012.
2
[ "<tag1>", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", ".", "<tag2>", "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.94", "%", "in", "2013", "as", "compared", "to", "2.95", "%", "in", "2012", ".", "<tag3>" ]
[ "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.95", "%", "in", "2012", "as", "compared", "to", "3.11", "%", "in", "2011", "." ]
[ "Net", "interest", "spread", ",", "the", "difference", "between", "the", "yield", "on", "earning", "assets", "and", "the", "rate", "paid", "on", "interest", "-", "bearing", "liabilities", ",", "was", "2.94", "%", "in", "2013", "as", "compared", "to", "2.95", "%", "in", "2012", "." ]
[]
[ "Net", "spread", "2.94" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 1, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p21_s8
932781_13_item7_p22_s4
This increase was primarily due to increased mortgage origination fees as a result of the expansion of this business through the acquisition of Palmetto South Mortgage Corporation "PSMC" in the second half of 2011.
This increase was primarily due to increased mortgage origination fees as a result of the expansion of this business through the acquisition of Palmetto South in the second half of 2011.
2
[ "<tag1>", "This", "increase", "was", "primarily", "due", "to", "increased", "mortgage", "origination", "fees", "as", "a", "result", "of", "the", "expansion", "of", "this", "business", "through", "the", "acquisition", "of", "Palmetto", "South", "Mortgage", "Corporation", "\"", "PSMC", "\"", "in", "the", "second", "half", "of", "2011", ".", "<tag2>", "This", "increase", "was", "primarily", "due", "to", "increased", "mortgage", "origination", "fees", "as", "a", "result", "of", "the", "expansion", "of", "this", "business", "through", "the", "acquisition", "of", "Palmetto", "South", "in", "the", "second", "half", "of", "2011", ".", "<tag3>" ]
[ "This", "increase", "was", "primarily", "due", "to", "increased", "mortgage", "origination", "fees", "as", "a", "result", "of", "the", "expansion", "of", "this", "business", "through", "the", "acquisition", "of", "Palmetto", "South", "Mortgage", "Corporation", "\"", "PSMC", "\"", "in", "the", "second", "half", "of", "2011", "." ]
[ "This", "increase", "was", "primarily", "due", "to", "increased", "mortgage", "origination", "fees", "as", "a", "result", "of", "the", "expansion", "of", "this", "business", "through", "the", "acquisition", "of", "Palmetto", "South", "in", "the", "second", "half", "of", "2011", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p28_s3
932781_13_item7_p30_s0
During 2012, the average balance in these accounts increased by $26.0 million as compared to 2011.
During 2012, the average balance in lower cost sources of funding, as described above, increased by $26.0 million as compared to 2011.
2
[ "<tag1>", "During", "2012", ",", "the", "average", "balance", "in", "these", "accounts", "increased", "by", "$", "26.0", "million", "as", "compared", "to", "2011", ".", "<tag2>", "During", "2012", ",", "the", "average", "balance", "in", "lower", "cost", "sources", "of", "funding", ",", "as", "described", "above", ",", "increased", "by", "$", "26.0", "million", "as", "compared", "to", "2011", ".", "<tag3>" ]
[ "During", "2012", ",", "the", "average", "balance", "in", "these", "accounts", "increased", "by", "$", "26.0", "million", "as", "compared", "to", "2011", "." ]
[ "During", "2012", ",", "the", "average", "balance", "in", "lower", "cost", "sources", "of", "funding", ",", "as", "described", "above", ",", "increased", "by", "$", "26.0", "million", "as", "compared", "to", "2011", "." ]
[]
[ "lower", "cost", "sources", "funding", "described" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, -100, 0, 0, 1, 1, 1, 0, 1, 0, -100, 1, 0, 0, 0, 0, -100, -100, 0, 0, 0, -100, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p41_s0
932781_13_item7_p41_s0
We entered into a five year interest rate swap agreement on October 8, 2008.
We entered into a five year interest rate swap agreement on October 8, 2008 that expired on October 8, 2013.
2
[ "<tag1>", "We", "entered", "into", "a", "five", "year", "interest", "rate", "swap", "agreement", "on", "October", "8", ",", "2008", ".", "<tag2>", "We", "entered", "into", "a", "five", "year", "interest", "rate", "swap", "agreement", "on", "October", "8", ",", "2008", "that", "expired", "on", "October", "8", ",", "2013", ".", "<tag3>" ]
[ "We", "entered", "into", "a", "five", "year", "interest", "rate", "swap", "agreement", "on", "October", "8", ",", "2008", "." ]
[ "We", "entered", "into", "a", "five", "year", "interest", "rate", "swap", "agreement", "on", "October", "8", ",", "2008", "that", "expired", "on", "October", "8", ",", "2013", "." ]
[]
[ "expired" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, 1, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p51_s0
932781_13_item7_p54_s0
amount of the allowance based on changing circumstances.
Periodically, we adjust the amount of the allowance based on changing circumstances.
2
[ "<tag1>", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", ".", "<tag2>", "Periodically", ",", "we", "adjust", "the", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", ".", "<tag3>" ]
[ "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", "." ]
[ "Periodically", ",", "we", "adjust", "the", "amount", "of", "the", "allowance", "based", "on", "changing", "circumstances", "." ]
[]
[ "Periodically", "adjust" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, 1, 0, 0, -100, 0, -100, -100, -100, -100, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p73_s0
932781_13_item7_p75_s0
continued to impact the level of refinancing activity during 2012.
Historically low interest rates continued to impact the level of refinancing activity during 2012.
2
[ "<tag1>", "continued", "to", "impact", "the", "level", "of", "refinancing", "activity", "during", "2012", ".", "<tag2>", "Historically", "low", "interest", "rates", "continued", "to", "impact", "the", "level", "of", "refinancing", "activity", "during", "2012", ".", "<tag3>" ]
[ "continued", "to", "impact", "the", "level", "of", "refinancing", "activity", "during", "2012", "." ]
[ "Historically", "low", "interest", "rates", "continued", "to", "impact", "the", "level", "of", "refinancing", "activity", "during", "2012", "." ]
[]
[ "Historically", "low", "interest", "rates" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_14_item7_p74_s5
932781_13_item7_p81_s10
The cash generated from these transactions was reinvested in our investment portfolio, primarily in securities with a risk rating of 20% or less.
The proceeds were reinvested in our investment portfolio, primarily in securities with a risk rating of 20% or less.
2
[ "<tag1>", "The", "cash", "generated", "from", "these", "transactions", "was", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", ".", "<tag2>", "The", "proceeds", "were", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", ".", "<tag3>" ]
[ "The", "cash", "generated", "from", "these", "transactions", "was", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", "." ]
[ "The", "proceeds", "were", "reinvested", "in", "our", "investment", "portfolio", ",", "primarily", "in", "securities", "with", "a", "risk", "rating", "of", "20", "%", "or", "less", "." ]
[]
[ "proceeds" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_15_item7_p67_s4
932781_14_item7_p64_s2
The largest of these loans is secured by commercial and residential real estate and the current debt service is being funded primarily by the borrower s personal cash flow.
The largest of these loans is in the amount of $1.7 million, is secured by commercial and residential real estate located in Aiken, South Carolina and the current debt service is being funded primarily by the borrower s personal cash flow.
2
[ "<tag1>", "The", "largest", "of", "these", "loans", "is", "secured", "by", "commercial", "and", "residential", "real", "estate", "and", "the", "current", "debt", "service", "is", "being", "funded", "primarily", "by", "the", "borrower", "s", "personal", "cash", "flow", ".", "<tag2>", "The", "largest", "of", "these", "loans", "is", "in", "the", "amount", "of", "$", "1.7", "million", ",", "is", "secured", "by", "commercial", "and", "residential", "real", "estate", "located", "in", "Aiken", ",", "South", "Carolina", "and", "the", "current", "debt", "service", "is", "being", "funded", "primarily", "by", "the", "borrower", "s", "personal", "cash", "flow", ".", "<tag3>" ]
[ "The", "largest", "of", "these", "loans", "is", "secured", "by", "commercial", "and", "residential", "real", "estate", "and", "the", "current", "debt", "service", "is", "being", "funded", "primarily", "by", "the", "borrower", "s", "personal", "cash", "flow", "." ]
[ "The", "largest", "of", "these", "loans", "is", "in", "the", "amount", "of", "$", "1.7", "million", ",", "is", "secured", "by", "commercial", "and", "residential", "real", "estate", "located", "in", "Aiken", ",", "South", "Carolina", "and", "the", "current", "debt", "service", "is", "being", "funded", "primarily", "by", "the", "borrower", "s", "personal", "cash", "flow", "." ]
[]
[ "amount", "1.7", "million", "located", "Aiken", "South", "Carolina" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, -100, -100, 0, 0, 1, 0, -100, 1, 1, 0, 0, 0, -100, -100, 0, 0, 0, -100, 1, 0, 1, -100, 1, 1, -100, -100, 0, 0, 0, 0, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_15_item7_p69_s2
932781_14_item7_p64_s4
They have been identified as potential problems based on our review that their traditional sources of cash flow may have been impacted and that they may ultimately not be able to service the debt.
Loans are identified as potential problems based on our review that their traditional sources of cash flow may have been impacted and that they may ultimately not be able to service the debt.
2
[ "<tag1>", "They", "have", "been", "identified", "as", "potential", "problems", "based", "on", "our", "review", "that", "their", "traditional", "sources", "of", "cash", "flow", "may", "have", "been", "impacted", "and", "that", "they", "may", "ultimately", "not", "be", "able", "to", "service", "the", "debt", ".", "<tag2>", "Loans", "are", "identified", "as", "potential", "problems", "based", "on", "our", "review", "that", "their", "traditional", "sources", "of", "cash", "flow", "may", "have", "been", "impacted", "and", "that", "they", "may", "ultimately", "not", "be", "able", "to", "service", "the", "debt", ".", "<tag3>" ]
[ "They", "have", "been", "identified", "as", "potential", "problems", "based", "on", "our", "review", "that", "their", "traditional", "sources", "of", "cash", "flow", "may", "have", "been", "impacted", "and", "that", "they", "may", "ultimately", "not", "be", "able", "to", "service", "the", "debt", "." ]
[ "Loans", "are", "identified", "as", "potential", "problems", "based", "on", "our", "review", "that", "their", "traditional", "sources", "of", "cash", "flow", "may", "have", "been", "impacted", "and", "that", "they", "may", "ultimately", "not", "be", "able", "to", "service", "the", "debt", "." ]
[]
[ "Loans" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_15_item7_p130_s2
932781_14_item7_p89_s1
The offering resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
As previously noted, in 2012, we closed on a public offering of common stock which resulted in the issuance of a total of 1.875 million shares of common stock at $8.00 per share, resulting in gross proceeds of $15 million.
2
[ "<tag1>", "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag2>", "As", "previously", "noted", ",", "in", "2012", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", ".", "<tag3>" ]
[ "The", "offering", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[ "As", "previously", "noted", ",", "in", "2012", ",", "we", "closed", "on", "a", "public", "offering", "of", "common", "stock", "which", "resulted", "in", "the", "issuance", "of", "a", "total", "of", "1.875", "million", "shares", "of", "common", "stock", "at", "$", "8.00", "per", "share", ",", "resulting", "in", "gross", "proceeds", "of", "$", "15", "million", "." ]
[]
[ "previously", "noted", "closed", "public" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, 0, -100, -100, -100, 1, 0, -100, 1, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, 0, 0, 0, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p21_s4
932781_15_item7_p22_s4
Therefore, the impact of this acquisition impacts our results of operations from September 26, 2014 to December 31, 2014.
Therefore, the results for the year ended December 31, 2014 include the impact of this acquisition from September 26, 2014 to December 31, 2014.
2
[ "<tag1>", "Therefore", ",", "the", "impact", "of", "this", "acquisition", "impacts", "our", "results", "of", "operations", "from", "September", "26", ",", "2014", "to", "December", "31", ",", "2014", ".", "<tag2>", "Therefore", ",", "the", "results", "for", "the", "year", "ended", "December", "31", ",", "2014", "include", "the", "impact", "of", "this", "acquisition", "from", "September", "26", ",", "2014", "to", "December", "31", ",", "2014", ".", "<tag3>" ]
[ "Therefore", ",", "the", "impact", "of", "this", "acquisition", "impacts", "our", "results", "of", "operations", "from", "September", "26", ",", "2014", "to", "December", "31", ",", "2014", "." ]
[ "Therefore", ",", "the", "results", "for", "the", "year", "ended", "December", "31", ",", "2014", "include", "the", "impact", "of", "this", "acquisition", "from", "September", "26", ",", "2014", "to", "December", "31", ",", "2014", "." ]
[]
[ "year", "ended", "include" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 0, 0, 0, 1, 1, 0, -100, -100, -100, 1, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p22_s3
932781_15_item7_p23_s3
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect of the change in net interest margin.
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect average earning assets on net interest income.
2
[ "<tag1>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", ".", "<tag2>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", ".", "<tag3>" ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", "." ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", "." ]
[]
[ "average", "earning", "assets", "income" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 0, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, 0, -100, -100, -100, 1, 1, 1, 0, 0, 0, 1, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p33_s0
932781_15_item7_p31_s0
The net interest margin increased in 2014 as compared to 2013.
Net interest margin increased 22 basis points in 2014 as compared to 2013.
2
[ "<tag1>", "The", "net", "interest", "margin", "increased", "in", "2014", "as", "compared", "to", "2013", ".", "<tag2>", "Net", "interest", "margin", "increased", "22", "basis", "points", "in", "2014", "as", "compared", "to", "2013", ".", "<tag3>" ]
[ "The", "net", "interest", "margin", "increased", "in", "2014", "as", "compared", "to", "2013", "." ]
[ "Net", "interest", "margin", "increased", "22", "basis", "points", "in", "2014", "as", "compared", "to", "2013", "." ]
[]
[ "Net", "22", "basis", "points" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 0, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p32_s6
932781_15_item7_p32_s3
In addition, we continued to control the growth of our balance sheet and shift the mix of funding to lower cost sources (non-interest bearing transaction accounts, interest-bearing transaction accounts, money-market accounts and savings deposits).
We continued to shift the mix of funding to lower cost sources (non-interest bearing transaction accounts, interest-bearing transaction accounts, money-market accounts and savings deposits).
2
[ "<tag1>", "In", "addition", ",", "we", "continued", "to", "control", "the", "growth", "of", "our", "balance", "sheet", "and", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", ".", "<tag2>", "We", "continued", "to", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", ".", "<tag3>" ]
[ "In", "addition", ",", "we", "continued", "to", "control", "the", "growth", "of", "our", "balance", "sheet", "and", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", "." ]
[ "We", "continued", "to", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p33_s3
932781_15_item7_p32_s4
During 2014, the average balance in these accounts represented 71.8% of total deposits whereas in 2013 they represented 65.5%.
During 2014, the average balance in the lower cost deposit funding, as described above, represented 71.8% of total deposits whereas in 2013 they represented 65.5%.
2
[ "<tag1>", "During", "2014", ",", "the", "average", "balance", "in", "these", "accounts", "represented", "71.8", "%", "of", "total", "deposits", "whereas", "in", "2013", "they", "represented", "65.5", "%", ".", "<tag2>", "During", "2014", ",", "the", "average", "balance", "in", "the", "lower", "cost", "deposit", "funding", ",", "as", "described", "above", ",", "represented", "71.8", "%", "of", "total", "deposits", "whereas", "in", "2013", "they", "represented", "65.5", "%", ".", "<tag3>" ]
[ "During", "2014", ",", "the", "average", "balance", "in", "these", "accounts", "represented", "71.8", "%", "of", "total", "deposits", "whereas", "in", "2013", "they", "represented", "65.5", "%", "." ]
[ "During", "2014", ",", "the", "average", "balance", "in", "the", "lower", "cost", "deposit", "funding", ",", "as", "described", "above", ",", "represented", "71.8", "%", "of", "total", "deposits", "whereas", "in", "2013", "they", "represented", "65.5", "%", "." ]
[]
[ "lower", "cost", "deposit", "funding", "described" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 0, 0, 0, 0, 1, 1, 1, 1, 0, -100, 1, 0, -100, 0, -100, 0, 0, 0, 0, 0, -100, -100, -100, 0, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p32_s6
932781_15_item7_p33_s3
During 2013, we controlled the growth of our balance sheet and shifted the mix of funding to lower cost sources (non-interest bearing transaction accounts, interest-bearing transaction accounts, money-market accounts and savings deposits).
We continued to shift the mix of funding to lower cost sources (non-interest bearing transaction accounts, interest-bearing transaction accounts, money-market accounts and savings deposits).
2
[ "<tag1>", "During", "2013", ",", "we", "controlled", "the", "growth", "of", "our", "balance", "sheet", "and", "shifted", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", ".", "<tag2>", "We", "continued", "to", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", ".", "<tag3>" ]
[ "During", "2013", ",", "we", "controlled", "the", "growth", "of", "our", "balance", "sheet", "and", "shifted", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", "." ]
[ "We", "continued", "to", "shift", "the", "mix", "of", "funding", "to", "lower", "cost", "sources", "(", "non", "-", "interest", "bearing", "transaction", "accounts", ",", "interest", "-", "bearing", "transaction", "accounts", ",", "money", "-", "market", "accounts", "and", "savings", "deposits", ")", "." ]
[]
[ "continued", "shift" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, 1, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p61_s1
932781_15_item7_p60_s0
As noted below in the Allocation of the Allowance for Loan Losses table, the unallocated portion of the allowance as a percentage of the total allowance has grown over the last several years.
As noted below in the Allocation of the Allowance for Loan Losses table, the unallocated portion of the allowance as a percentage of the total allowance decreased as a percentage of the total allowance in 2015.
2
[ "<tag1>", "As", "noted", "below", "in", "the", "Allocation", "of", "the", "Allowance", "for", "Loan", "Losses", "table", ",", "the", "unallocated", "portion", "of", "the", "allowance", "as", "a", "percentage", "of", "the", "total", "allowance", "has", "grown", "over", "the", "last", "several", "years", ".", "<tag2>", "As", "noted", "below", "in", "the", "Allocation", "of", "the", "Allowance", "for", "Loan", "Losses", "table", ",", "the", "unallocated", "portion", "of", "the", "allowance", "as", "a", "percentage", "of", "the", "total", "allowance", "decreased", "as", "a", "percentage", "of", "the", "total", "allowance", "in", "2015", ".", "<tag3>" ]
[ "As", "noted", "below", "in", "the", "Allocation", "of", "the", "Allowance", "for", "Loan", "Losses", "table", ",", "the", "unallocated", "portion", "of", "the", "allowance", "as", "a", "percentage", "of", "the", "total", "allowance", "has", "grown", "over", "the", "last", "several", "years", "." ]
[ "As", "noted", "below", "in", "the", "Allocation", "of", "the", "Allowance", "for", "Loan", "Losses", "table", ",", "the", "unallocated", "portion", "of", "the", "allowance", "as", "a", "percentage", "of", "the", "total", "allowance", "decreased", "as", "a", "percentage", "of", "the", "total", "allowance", "in", "2015", "." ]
[]
[ "decreased" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_16_item7_p80_s3
932781_15_item7_p78_s1
During 2014, we prepaid $5.5 million in Federal Home Loan Bank advances and incurred prepayment penalties of $351 thousand.
During 2014, we prepaid $5.5 million in FHLB advances and incurred prepayment penalties of $351 thousand.
2
[ "<tag1>", "During", "2014", ",", "we", "prepaid", "$", "5.5", "million", "in", "Federal", "Home", "Loan", "Bank", "advances", "and", "incurred", "prepayment", "penalties", "of", "$", "351", "thousand", ".", "<tag2>", "During", "2014", ",", "we", "prepaid", "$", "5.5", "million", "in", "FHLB", "advances", "and", "incurred", "prepayment", "penalties", "of", "$", "351", "thousand", ".", "<tag3>" ]
[ "During", "2014", ",", "we", "prepaid", "$", "5.5", "million", "in", "Federal", "Home", "Loan", "Bank", "advances", "and", "incurred", "prepayment", "penalties", "of", "$", "351", "thousand", "." ]
[ "During", "2014", ",", "we", "prepaid", "$", "5.5", "million", "in", "FHLB", "advances", "and", "incurred", "prepayment", "penalties", "of", "$", "351", "thousand", "." ]
[]
[ "FHLB" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p124_s3
932781_16_item7_p120_s4
The change is related to the change in the fair value of our securities portfolio as a result of changing interest rates.
The change in AOCI is related to the change in the fair value of our securities portfolio as a result of changing interest rates.
2
[ "<tag1>", "The", "change", "is", "related", "to", "the", "change", "in", "the", "fair", "value", "of", "our", "securities", "portfolio", "as", "a", "result", "of", "changing", "interest", "rates", ".", "<tag2>", "The", "change", "in", "AOCI", "is", "related", "to", "the", "change", "in", "the", "fair", "value", "of", "our", "securities", "portfolio", "as", "a", "result", "of", "changing", "interest", "rates", ".", "<tag3>" ]
[ "The", "change", "is", "related", "to", "the", "change", "in", "the", "fair", "value", "of", "our", "securities", "portfolio", "as", "a", "result", "of", "changing", "interest", "rates", "." ]
[ "The", "change", "in", "AOCI", "is", "related", "to", "the", "change", "in", "the", "fair", "value", "of", "our", "securities", "portfolio", "as", "a", "result", "of", "changing", "interest", "rates", "." ]
[]
[ "AOCI" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, 1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p128_s0
932781_16_item7_p123_s3
Portions of the new rules have a phase in period.
Portions of the capital rules have a phase in period.
2
[ "<tag1>", "Portions", "of", "the", "new", "rules", "have", "a", "phase", "in", "period", ".", "<tag2>", "Portions", "of", "the", "capital", "rules", "have", "a", "phase", "in", "period", ".", "<tag3>" ]
[ "Portions", "of", "the", "new", "rules", "have", "a", "phase", "in", "period", "." ]
[ "Portions", "of", "the", "capital", "rules", "have", "a", "phase", "in", "period", "." ]
[]
[ "capital" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 1, -100, -100, -100, -100, 0, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p27_s1
932781_16_item7_p22_s1
The primary reason for the increase in net income available to common shareholders is that our net interest income improved by $1.6 million from $23.7 million in 2014 to $25.3 million for 2015.
The primary reason for the increase in net income is that our net interest income improved by $1.2 million from $25.3 million in 2016 to $26.5 million for 2015.
2
[ "<tag1>", "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "available", "to", "common", "shareholders", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", ".", "<tag2>", "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.2", "million", "from", "$", "25.3", "million", "in", "2016", "to", "$", "26.5", "million", "for", "2015", ".", "<tag3>" ]
[ "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "available", "to", "common", "shareholders", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", "." ]
[ "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.2", "million", "from", "$", "25.3", "million", "in", "2016", "to", "$", "26.5", "million", "for", "2015", "." ]
[]
[ "1.2", "26.5" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, 1, 0, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p29_s1
932781_16_item7_p22_s1
The primary reason for the increase in net income available to common shareholders is that our net interest income improved by $1.6 million from $23.7 million in 2014 to $25.3 million for 2015.
The primary reason for the increase in net income is that our net interest income improved by $1.6 million from $23.7 million in 2014 to $25.3 million for 2015.
2
[ "<tag1>", "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "available", "to", "common", "shareholders", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", ".", "<tag2>", "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", ".", "<tag3>" ]
[ "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "available", "to", "common", "shareholders", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", "." ]
[ "The", "primary", "reason", "for", "the", "increase", "in", "net", "income", "is", "that", "our", "net", "interest", "income", "improved", "by", "$", "1.6", "million", "from", "$", "23.7", "million", "in", "2014", "to", "$", "25.3", "million", "for", "2015", "." ]
[]
[]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p27_s3
932781_16_item7_p24_s3
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect of the change in net interest margin.
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect average earning assets on net interest income.
2
[ "<tag1>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", ".", "<tag2>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", ".", "<tag3>" ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", "." ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", "." ]
[]
[ "average", "earning", "assets", "income" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 0, -100, -100, 0, 0, 0, 0, -100, -100, 0, 0, -100, 0, 0, -100, -100, 1, 1, 1, -100, 0, 0, 1, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p29_s3
932781_16_item7_p24_s3
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect of the change in net interest margin.
See below under Net Interest Income and Market Risk and Interest Rate Sensitivity for a further discussion about the effect average earning assets on net interest income.
2
[ "<tag1>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", ".", "<tag2>", "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", ".", "<tag3>" ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "of", "the", "change", "in", "net", "interest", "margin", "." ]
[ "See", "below", "under", "Net", "Interest", "Income", "and", "Market", "Risk", "and", "Interest", "Rate", "Sensitivity", "for", "a", "further", "discussion", "about", "the", "effect", "average", "earning", "assets", "on", "net", "interest", "income", "." ]
[]
[ "average", "earning", "assets", "income" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, 0, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, 1, 1, 1, -100, 0, -100, 1, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p44_s1
932781_16_item7_p40_s1
Also, asset/liability modeling is performed to assess the impact varying interest rates and balance sheet mix assumptions will have on net interest income.
Simulation modeling is performed to assess the impact varying interest rates and balance sheet mix assumptions will have on net interest income.
2
[ "<tag1>", "Also", ",", "asset", "/", "liability", "modeling", "is", "performed", "to", "assess", "the", "impact", "varying", "interest", "rates", "and", "balance", "sheet", "mix", "assumptions", "will", "have", "on", "net", "interest", "income", ".", "<tag2>", "Simulation", "modeling", "is", "performed", "to", "assess", "the", "impact", "varying", "interest", "rates", "and", "balance", "sheet", "mix", "assumptions", "will", "have", "on", "net", "interest", "income", ".", "<tag3>" ]
[ "Also", ",", "asset", "/", "liability", "modeling", "is", "performed", "to", "assess", "the", "impact", "varying", "interest", "rates", "and", "balance", "sheet", "mix", "assumptions", "will", "have", "on", "net", "interest", "income", "." ]
[ "Simulation", "modeling", "is", "performed", "to", "assess", "the", "impact", "varying", "interest", "rates", "and", "balance", "sheet", "mix", "assumptions", "will", "have", "on", "net", "interest", "income", "." ]
[]
[ "Simulation" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p81_s1
932781_16_item7_p75_s1
We also originate fixed rate residential loans on a servicing released basis in the secondary market.
We also originate and sell residential loans on a servicing released basis in the secondary market.
2
[ "<tag1>", "We", "also", "originate", "fixed", "rate", "residential", "loans", "on", "a", "servicing", "released", "basis", "in", "the", "secondary", "market", ".", "<tag2>", "We", "also", "originate", "and", "sell", "residential", "loans", "on", "a", "servicing", "released", "basis", "in", "the", "secondary", "market", ".", "<tag3>" ]
[ "We", "also", "originate", "fixed", "rate", "residential", "loans", "on", "a", "servicing", "released", "basis", "in", "the", "secondary", "market", "." ]
[ "We", "also", "originate", "and", "sell", "residential", "loans", "on", "a", "servicing", "released", "basis", "in", "the", "secondary", "market", "." ]
[]
[ "sell" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p81_s9
932781_16_item7_p75_s8
The deposit service charges were down slightly in comparing 2015 to 2014, and the changes to Regulation E that were made in 2010 continue to impact the level of deposit service charges.
Changes to Regulation E that were made in 2010 continue to impact the level of deposit service charges.
2
[ "<tag1>", "The", "deposit", "service", "charges", "were", "down", "slightly", "in", "comparing", "2015", "to", "2014", ",", "and", "the", "changes", "to", "Regulation", "E", "that", "were", "made", "in", "2010", "continue", "to", "impact", "the", "level", "of", "deposit", "service", "charges", ".", "<tag2>", "Changes", "to", "Regulation", "E", "that", "were", "made", "in", "2010", "continue", "to", "impact", "the", "level", "of", "deposit", "service", "charges", ".", "<tag3>" ]
[ "The", "deposit", "service", "charges", "were", "down", "slightly", "in", "comparing", "2015", "to", "2014", ",", "and", "the", "changes", "to", "Regulation", "E", "that", "were", "made", "in", "2010", "continue", "to", "impact", "the", "level", "of", "deposit", "service", "charges", "." ]
[ "Changes", "to", "Regulation", "E", "that", "were", "made", "in", "2010", "continue", "to", "impact", "the", "level", "of", "deposit", "service", "charges", "." ]
[]
[ "Changes" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p86_s1
932781_16_item7_p77_s2
These losses were offset by a $130 thousand gain on the early redemption of $500 thousand in junior subordinated debt (Trust Preferred).
The prepayment penalties in 2015 were partially offset by a $130 thousand gain on the early redemption of $500 thousand in junior subordinated debt (Trust Preferred).
2
[ "<tag1>", "These", "losses", "were", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", ".", "<tag2>", "The", "prepayment", "penalties", "in", "2015", "were", "partially", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", ".", "<tag3>" ]
[ "These", "losses", "were", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", "." ]
[ "The", "prepayment", "penalties", "in", "2015", "were", "partially", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", "." ]
[]
[ "prepayment", "penalties", "partially" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 0, -100, 0, 1, 0, -100, 0, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p93_s0
932781_16_item7_p86_s0
Income tax expense for 2015 was $2.3 million as compared to income tax expense for the year ended December 31, 2014 of $2.0 million and $1.2 million for the year ended December 31, 2013 (see Note 14 Income Taxes to the Consolidated Financial Statements for additional information).
Income tax expense for 2016 was $2.2 million as compared to income tax expense for the year ended December 31, 2015 of $2.3 million and $2.0 million for the year ended December 31, 2014 (see Note 14 Income Taxes to the Consolidated Financial Statements for additional information).
2
[ "<tag1>", "Income", "tax", "expense", "for", "2015", "was", "$", "2.3", "million", "as", "compared", "to", "income", "tax", "expense", "for", "the", "year", "ended", "December", "31", ",", "2014", "of", "$", "2.0", "million", "and", "$", "1.2", "million", "for", "the", "year", "ended", "December", "31", ",", "2013", "(", "see", "Note", "14", "Income", "Taxes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", ".", "<tag2>", "Income", "tax", "expense", "for", "2016", "was", "$", "2.2", "million", "as", "compared", "to", "income", "tax", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", "of", "$", "2.3", "million", "and", "$", "2.0", "million", "for", "the", "year", "ended", "December", "31", ",", "2014", "(", "see", "Note", "14", "Income", "Taxes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", ".", "<tag3>" ]
[ "Income", "tax", "expense", "for", "2015", "was", "$", "2.3", "million", "as", "compared", "to", "income", "tax", "expense", "for", "the", "year", "ended", "December", "31", ",", "2014", "of", "$", "2.0", "million", "and", "$", "1.2", "million", "for", "the", "year", "ended", "December", "31", ",", "2013", "(", "see", "Note", "14", "Income", "Taxes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", "." ]
[ "Income", "tax", "expense", "for", "2016", "was", "$", "2.2", "million", "as", "compared", "to", "income", "tax", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", "of", "$", "2.3", "million", "and", "$", "2.0", "million", "for", "the", "year", "ended", "December", "31", ",", "2014", "(", "see", "Note", "14", "Income", "Taxes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", "." ]
[]
[ "2.2" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_17_item7_p100_s4
932781_16_item7_p96_s3
However, a continuation of the slow recovery from recessionary national and local economic conditions, as well as deterioration of asset quality within our Company, could significantly impact our ability to grow our loan portfolio.
However, adverse national and local economic conditions, as well as deterioration of asset quality within our Company, could significantly impact our ability to grow our loan portfolio.
2
[ "<tag1>", "However", ",", "a", "continuation", "of", "the", "slow", "recovery", "from", "recessionary", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", ".", "<tag2>", "However", ",", "adverse", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", ".", "<tag3>" ]
[ "However", ",", "a", "continuation", "of", "the", "slow", "recovery", "from", "recessionary", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", "." ]
[ "However", ",", "adverse", "national", "and", "local", "economic", "conditions", ",", "as", "well", "as", "deterioration", "of", "asset", "quality", "within", "our", "Company", ",", "could", "significantly", "impact", "our", "ability", "to", "grow", "our", "loan", "portfolio", "." ]
[]
[ "adverse" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p24_s2
932781_17_item7_p26_s5
See Note 3 to the consolidated financial statements for additional information related to the Savannah River and First South acquisitions.
See Note 3 to the consolidated financial statements for additional information related to the Cornerstone acquisition.
2
[ "<tag1>", "See", "Note", "3", "to", "the", "consolidated", "financial", "statements", "for", "additional", "information", "related", "to", "the", "Savannah", "River", "and", "First", "South", "acquisitions", ".", "<tag2>", "See", "Note", "3", "to", "the", "consolidated", "financial", "statements", "for", "additional", "information", "related", "to", "the", "Cornerstone", "acquisition", ".", "<tag3>" ]
[ "See", "Note", "3", "to", "the", "consolidated", "financial", "statements", "for", "additional", "information", "related", "to", "the", "Savannah", "River", "and", "First", "South", "acquisitions", "." ]
[ "See", "Note", "3", "to", "the", "consolidated", "financial", "statements", "for", "additional", "information", "related", "to", "the", "Cornerstone", "acquisition", "." ]
[]
[ "Cornerstone", "acquisition" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, 1, 1, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p32_s1
932781_17_item7_p37_s1
The yield on earning assets decreased by ten basis points while our cost of funds decreased by six basis points in 2015 as compared to 2014.
The yield on earning assets increased by twelve basis points while our cost of funds decreased by six basis points in 2017 as compared to 2016.
2
[ "<tag1>", "The", "yield", "on", "earning", "assets", "decreased", "by", "ten", "basis", "points", "while", "our", "cost", "of", "funds", "decreased", "by", "six", "basis", "points", "in", "2015", "as", "compared", "to", "2014", ".", "<tag2>", "The", "yield", "on", "earning", "assets", "increased", "by", "twelve", "basis", "points", "while", "our", "cost", "of", "funds", "decreased", "by", "six", "basis", "points", "in", "2017", "as", "compared", "to", "2016", ".", "<tag3>" ]
[ "The", "yield", "on", "earning", "assets", "decreased", "by", "ten", "basis", "points", "while", "our", "cost", "of", "funds", "decreased", "by", "six", "basis", "points", "in", "2015", "as", "compared", "to", "2014", "." ]
[ "The", "yield", "on", "earning", "assets", "increased", "by", "twelve", "basis", "points", "while", "our", "cost", "of", "funds", "decreased", "by", "six", "basis", "points", "in", "2017", "as", "compared", "to", "2016", "." ]
[]
[ "increased", "twelve" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, -100, 1, -100, 0, -100, -100, 0, -100, -100, -100, 0, -100, 0, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p46_s2
932781_17_item7_p50_s1
As a result, our modeling reflects modest improvement in our net interest income in a rising rate environment.
As a result, our modeling reflects modest decline in our net interest income in a rising rate environment over the first twelve months.
2
[ "<tag1>", "As", "a", "result", ",", "our", "modeling", "reflects", "modest", "improvement", "in", "our", "net", "interest", "income", "in", "a", "rising", "rate", "environment", ".", "<tag2>", "As", "a", "result", ",", "our", "modeling", "reflects", "modest", "decline", "in", "our", "net", "interest", "income", "in", "a", "rising", "rate", "environment", "over", "the", "first", "twelve", "months", ".", "<tag3>" ]
[ "As", "a", "result", ",", "our", "modeling", "reflects", "modest", "improvement", "in", "our", "net", "interest", "income", "in", "a", "rising", "rate", "environment", "." ]
[ "As", "a", "result", ",", "our", "modeling", "reflects", "modest", "decline", "in", "our", "net", "interest", "income", "in", "a", "rising", "rate", "environment", "over", "the", "first", "twelve", "months", "." ]
[]
[ "decline", "first", "twelve", "months" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, 0, 0, 0, 0, 1, -100, 0, -100, -100, 0, 0, -100, -100, 0, 0, 0, -100, 1, 1, 1, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p50_s1
932781_17_item7_p55_s0
Loans that were acquired in the acquisition of Savannah River and First South are accounted for under Financial Accounting Standards Board ( FASB ) Accounting Standard Codification ( ASC ) 310-30.
Loans that were acquired in the acquisition of Cornerstone in 2017 and Savannah River in 2014 are accounted for under Financial Accounting Standards Board ( FASB ) Accounting Standard Codification ( ASC ) 310-30.
2
[ "<tag1>", "Loans", "that", "were", "acquired", "in", "the", "acquisition", "of", "Savannah", "River", "and", "First", "South", "are", "accounted", "for", "under", "Financial", "Accounting", "Standards", "Board", "(", "FASB", ")", "Accounting", "Standard", "Codification", "(", "ASC", ")", "310", "-", "30", ".", "<tag2>", "Loans", "that", "were", "acquired", "in", "the", "acquisition", "of", "Cornerstone", "in", "2017", "and", "Savannah", "River", "in", "2014", "are", "accounted", "for", "under", "Financial", "Accounting", "Standards", "Board", "(", "FASB", ")", "Accounting", "Standard", "Codification", "(", "ASC", ")", "310", "-", "30", ".", "<tag3>" ]
[ "Loans", "that", "were", "acquired", "in", "the", "acquisition", "of", "Savannah", "River", "and", "First", "South", "are", "accounted", "for", "under", "Financial", "Accounting", "Standards", "Board", "(", "FASB", ")", "Accounting", "Standard", "Codification", "(", "ASC", ")", "310", "-", "30", "." ]
[ "Loans", "that", "were", "acquired", "in", "the", "acquisition", "of", "Cornerstone", "in", "2017", "and", "Savannah", "River", "in", "2014", "are", "accounted", "for", "under", "Financial", "Accounting", "Standards", "Board", "(", "FASB", ")", "Accounting", "Standard", "Codification", "(", "ASC", ")", "310", "-", "30", "." ]
[]
[ "Cornerstone" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, 0, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p87_s1
932781_17_item7_p88_s2
These losses were offset by a $130 thousand gain on the early redemption of $500 thousand in junior subordinated debt (Trust Preferred).
The prepayment penalties in 2015 were partially offset by a $130 thousand gain on the early redemption of $500 thousand in junior subordinated debt (Trust Preferred).
2
[ "<tag1>", "These", "losses", "were", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", ".", "<tag2>", "The", "prepayment", "penalties", "in", "2015", "were", "partially", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", ".", "<tag3>" ]
[ "These", "losses", "were", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", "." ]
[ "The", "prepayment", "penalties", "in", "2015", "were", "partially", "offset", "by", "a", "$", "130", "thousand", "gain", "on", "the", "early", "redemption", "of", "$", "500", "thousand", "in", "junior", "subordinated", "debt", "(", "Trust", "Preferred", ")", "." ]
[]
[ "prepayment", "penalties", "partially" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 0, 0, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p92_s6
932781_17_item7_p89_s12
This reflects the overall decrease in the level of our repossessed real estate assets between the two periods.
This reflects the overall decrease in the level of our repossessed real estate assets between the two periods excluding the properties acquired in the Cornerstone acquisition in the fourth quarter of 2017.
2
[ "<tag1>", "This", "reflects", "the", "overall", "decrease", "in", "the", "level", "of", "our", "repossessed", "real", "estate", "assets", "between", "the", "two", "periods", ".", "<tag2>", "This", "reflects", "the", "overall", "decrease", "in", "the", "level", "of", "our", "repossessed", "real", "estate", "assets", "between", "the", "two", "periods", "excluding", "the", "properties", "acquired", "in", "the", "Cornerstone", "acquisition", "in", "the", "fourth", "quarter", "of", "2017", ".", "<tag3>" ]
[ "This", "reflects", "the", "overall", "decrease", "in", "the", "level", "of", "our", "repossessed", "real", "estate", "assets", "between", "the", "two", "periods", "." ]
[ "This", "reflects", "the", "overall", "decrease", "in", "the", "level", "of", "our", "repossessed", "real", "estate", "assets", "between", "the", "two", "periods", "excluding", "the", "properties", "acquired", "in", "the", "Cornerstone", "acquisition", "in", "the", "fourth", "quarter", "of", "2017", "." ]
[]
[ "excluding", "properties", "acquired", "Cornerstone", "acquisition", "fourth", "quarter" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, -100, -100, 0, 0, 0, -100, 0, 0, -100, 1, 0, 1, 1, 0, 0, 1, 1, 0, -100, 1, 1, 0, 0, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p8_s0
932781_17_item7_p8_s1
Under the terms of the merger agreement, Savannah River shareholders received either $11.00 in cash or 1.0618 shares of the Company s common stock, or a combination thereof, for each Savannah River share they owned immediately prior to the merger, subject to the limitation that 60% of the outstanding shares of Savannah River common stock were exchanged for cash and 40% of the outstanding shares of Savannah River common stock were exchanged for shares of the Company s common stock.
Under the terms of the merger agreement, Cornerstone shareholders received either $11.00 in cash or 0.54 shares of the Company s common stock, or a combination thereof, for each share of Cornerstone common stock they owned immediately prior to the merger, subject to the limitation that 30% of the outstanding shares of Cornerstone common stock were exchanged for cash and 70% of the outstanding shares of Cornerstone common stock were exchanged for shares of the Company s common stock.
2
[ "<tag1>", "Under", "the", "terms", "of", "the", "merger", "agreement", ",", "Savannah", "River", "shareholders", "received", "either", "$", "11.00", "in", "cash", "or", "1.0618", "shares", "of", "the", "Company", "s", "common", "stock", ",", "or", "a", "combination", "thereof", ",", "for", "each", "Savannah", "River", "share", "they", "owned", "immediately", "prior", "to", "the", "merger", ",", "subject", "to", "the", "limitation", "that", "60", "%", "of", "the", "outstanding", "shares", "of", "Savannah", "River", "common", "stock", "were", "exchanged", "for", "cash", "and", "40", "%", "of", "the", "outstanding", "shares", "of", "Savannah", "River", "common", "stock", "were", "exchanged", "for", "shares", "of", "the", "Company", "s", "common", "stock", ".", "<tag2>", "Under", "the", "terms", "of", "the", "merger", "agreement", ",", "Cornerstone", "shareholders", "received", "either", "$", "11.00", "in", "cash", "or", "0.54", "shares", "of", "the", "Company", "s", "common", "stock", ",", "or", "a", "combination", "thereof", ",", "for", "each", "share", "of", "Cornerstone", "common", "stock", "they", "owned", "immediately", "prior", "to", "the", "merger", ",", "subject", "to", "the", "limitation", "that", "30", "%", "of", "the", "outstanding", "shares", "of", "Cornerstone", "common", "stock", "were", "exchanged", "for", "cash", "and", "70", "%", "of", "the", "outstanding", "shares", "of", "Cornerstone", "common", "stock", "were", "exchanged", "for", "shares", "of", "the", "Company", "s", "common", "stock", ".", "<tag3>" ]
[ "Under", "the", "terms", "of", "the", "merger", "agreement", ",", "Savannah", "River", "shareholders", "received", "either", "$", "11.00", "in", "cash", "or", "1.0618", "shares", "of", "the", "Company", "s", "common", "stock", ",", "or", "a", "combination", "thereof", ",", "for", "each", "Savannah", "River", "share", "they", "owned", "immediately", "prior", "to", "the", "merger", ",", "subject", "to", "the", "limitation", "that", "60", "%", "of", "the", "outstanding", "shares", "of", "Savannah", "River", "common", "stock", "were", "exchanged", "for", "cash", "and", "40", "%", "of", "the", "outstanding", "shares", "of", "Savannah", "River", "common", "stock", "were", "exchanged", "for", "shares", "of", "the", "Company", "s", "common", "stock", "." ]
[ "Under", "the", "terms", "of", "the", "merger", "agreement", ",", "Cornerstone", "shareholders", "received", "either", "$", "11.00", "in", "cash", "or", "0.54", "shares", "of", "the", "Company", "s", "common", "stock", ",", "or", "a", "combination", "thereof", ",", "for", "each", "share", "of", "Cornerstone", "common", "stock", "they", "owned", "immediately", "prior", "to", "the", "merger", ",", "subject", "to", "the", "limitation", "that", "30", "%", "of", "the", "outstanding", "shares", "of", "Cornerstone", "common", "stock", "were", "exchanged", "for", "cash", "and", "70", "%", "of", "the", "outstanding", "shares", "of", "Cornerstone", "common", "stock", "were", "exchanged", "for", "shares", "of", "the", "Company", "s", "common", "stock", "." ]
[]
[ "Cornerstone", "0.54", "Cornerstone", "Cornerstone", "Cornerstone" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, -100, 0, 1, 0, -100, -100, -100, -100, -100, -100, -100, 1, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 1, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p8_s1
932781_17_item7_p8_s2
The Company issued 1,274,200 shares of common stock in the merger.
The Company issued 877,318 shares of common stock in the merger.
2
[ "<tag1>", "The", "Company", "issued", "1,274,200", "shares", "of", "common", "stock", "in", "the", "merger", ".", "<tag2>", "The", "Company", "issued", "877,318", "shares", "of", "common", "stock", "in", "the", "merger", ".", "<tag3>" ]
[ "The", "Company", "issued", "1,274,200", "shares", "of", "common", "stock", "in", "the", "merger", "." ]
[ "The", "Company", "issued", "877,318", "shares", "of", "common", "stock", "in", "the", "merger", "." ]
[]
[ "877,318" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 1, -100, 0, -100, -100, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p88_s0
932781_17_item7_p92_s0
The following table sets forth for the periods indicated the primary components of noninterest expense:
The following table sets forth for the periods indicated the primary components of other noninterest income:
2
[ "<tag1>", "The", "following", "table", "sets", "forth", "for", "the", "periods", "indicated", "the", "primary", "components", "of", "noninterest", "expense", ":", "<tag2>", "The", "following", "table", "sets", "forth", "for", "the", "periods", "indicated", "the", "primary", "components", "of", "other", "noninterest", "income", ":", "<tag3>" ]
[ "The", "following", "table", "sets", "forth", "for", "the", "periods", "indicated", "the", "primary", "components", "of", "noninterest", "expense", ":" ]
[ "The", "following", "table", "sets", "forth", "for", "the", "periods", "indicated", "the", "primary", "components", "of", "other", "noninterest", "income", ":" ]
[]
[ "income" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 1, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p103_s2
932781_17_item7_p97_s15
We currently anticipate that cash flow from the investment portfolio will allow us to reduce these overnight funds over the next few quarters.
We currently anticipate that cash flow from the investment portfolio will allow us to reduce the short term advances over the next few quarters.
2
[ "<tag1>", "We", "currently", "anticipate", "that", "cash", "flow", "from", "the", "investment", "portfolio", "will", "allow", "us", "to", "reduce", "these", "overnight", "funds", "over", "the", "next", "few", "quarters", ".", "<tag2>", "We", "currently", "anticipate", "that", "cash", "flow", "from", "the", "investment", "portfolio", "will", "allow", "us", "to", "reduce", "the", "short", "term", "advances", "over", "the", "next", "few", "quarters", ".", "<tag3>" ]
[ "We", "currently", "anticipate", "that", "cash", "flow", "from", "the", "investment", "portfolio", "will", "allow", "us", "to", "reduce", "these", "overnight", "funds", "over", "the", "next", "few", "quarters", "." ]
[ "We", "currently", "anticipate", "that", "cash", "flow", "from", "the", "investment", "portfolio", "will", "allow", "us", "to", "reduce", "the", "short", "term", "advances", "over", "the", "next", "few", "quarters", "." ]
[]
[ "short", "term", "advances" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 0, -100, -100, -100, 0, 0, 0, -100, 0, -100, -100, -100, 1, 1, 1, -100, 0, 0, -100, -100, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
932781_18_item7_p104_s2
932781_17_item7_p98_s1
The increase in shareholder s equity is primarily a result of retention of earnings net of dividends paid of $4.6 million and a decrease in Accumulated Other Comprehensive Income (loss) ( AOCI ) of $2.1 million.
The additional increase is primarily a result of retention of earnings net of dividends paid of $3.3 million and a decrease in Accumulated Other Comprehensive Income (loss) ( AOCI ) of $793 thousand.
2
[ "<tag1>", "The", "increase", "in", "shareholder", "s", "equity", "is", "primarily", "a", "result", "of", "retention", "of", "earnings", "net", "of", "dividends", "paid", "of", "$", "4.6", "million", "and", "a", "decrease", "in", "Accumulated", "Other", "Comprehensive", "Income", "(", "loss", ")", "(", "AOCI", ")", "of", "$", "2.1", "million", ".", "<tag2>", "The", "additional", "increase", "is", "primarily", "a", "result", "of", "retention", "of", "earnings", "net", "of", "dividends", "paid", "of", "$", "3.3", "million", "and", "a", "decrease", "in", "Accumulated", "Other", "Comprehensive", "Income", "(", "loss", ")", "(", "AOCI", ")", "of", "$", "793", "thousand", ".", "<tag3>" ]
[ "The", "increase", "in", "shareholder", "s", "equity", "is", "primarily", "a", "result", "of", "retention", "of", "earnings", "net", "of", "dividends", "paid", "of", "$", "4.6", "million", "and", "a", "decrease", "in", "Accumulated", "Other", "Comprehensive", "Income", "(", "loss", ")", "(", "AOCI", ")", "of", "$", "2.1", "million", "." ]
[ "The", "additional", "increase", "is", "primarily", "a", "result", "of", "retention", "of", "earnings", "net", "of", "dividends", "paid", "of", "$", "3.3", "million", "and", "a", "decrease", "in", "Accumulated", "Other", "Comprehensive", "Income", "(", "loss", ")", "(", "AOCI", ")", "of", "$", "793", "thousand", "." ]
[]
[ "additional", "3.3", "793", "thousand" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 0, 1, -100, 0, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, 1, 1, 0, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
9389_12_item7_p14_s0
9389_11_item7_p13_s0
Throughout the period of contract performance, we regularly reevaluate and, if necessary, revise our estimates of Ball Aerospace Technologies Corp. s total contract revenue, total contract cost and progress toward completion.
Throughout the period of contract performance, we regularly reevaluate and, if necessary, revise our estimates of aerospace and technologies total contract revenue, total contract cost and progress toward completion.
2
[ "<tag1>", "Throughout", "the", "period", "of", "contract", "performance", ",", "we", "regularly", "reevaluate", "and", ",", "if", "necessary", ",", "revise", "our", "estimates", "of", "Ball", "Aerospace", "Technologies", "Corp.", "s", "total", "contract", "revenue", ",", "total", "contract", "cost", "and", "progress", "toward", "completion", ".", "<tag2>", "Throughout", "the", "period", "of", "contract", "performance", ",", "we", "regularly", "reevaluate", "and", ",", "if", "necessary", ",", "revise", "our", "estimates", "of", "aerospace", "and", "technologies", "total", "contract", "revenue", ",", "total", "contract", "cost", "and", "progress", "toward", "completion", ".", "<tag3>" ]
[ "Throughout", "the", "period", "of", "contract", "performance", ",", "we", "regularly", "reevaluate", "and", ",", "if", "necessary", ",", "revise", "our", "estimates", "of", "Ball", "Aerospace", "Technologies", "Corp.", "s", "total", "contract", "revenue", ",", "total", "contract", "cost", "and", "progress", "toward", "completion", "." ]
[ "Throughout", "the", "period", "of", "contract", "performance", ",", "we", "regularly", "reevaluate", "and", ",", "if", "necessary", ",", "revise", "our", "estimates", "of", "aerospace", "and", "technologies", "total", "contract", "revenue", ",", "total", "contract", "cost", "and", "progress", "toward", "completion", "." ]
[]
[ "aerospace", "technologies" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, 0, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
9389_12_item7_p1_s1
9389_11_item7_p1_s1
We apply our best judgment, our knowledge of existing fa cts and circumstances and actions that we may undertake in the future in determining the estimates that affect our consolidated financial statements.
We apply our best judgment, our knowledge of existing facts and circumstances and actions that we may undertake in the future in determining the estimates that affect our consolidated financial statements.
2
[ "<tag1>", "We", "apply", "our", "best", "judgment", ",", "our", "knowledge", "of", "existing", "fa", "cts", "and", "circumstances", "and", "actions", "that", "we", "may", "undertake", "in", "the", "future", "in", "determining", "the", "estimates", "that", "affect", "our", "consolidated", "financial", "statements", ".", "<tag2>", "We", "apply", "our", "best", "judgment", ",", "our", "knowledge", "of", "existing", "facts", "and", "circumstances", "and", "actions", "that", "we", "may", "undertake", "in", "the", "future", "in", "determining", "the", "estimates", "that", "affect", "our", "consolidated", "financial", "statements", ".", "<tag3>" ]
[ "We", "apply", "our", "best", "judgment", ",", "our", "knowledge", "of", "existing", "fa", "cts", "and", "circumstances", "and", "actions", "that", "we", "may", "undertake", "in", "the", "future", "in", "determining", "the", "estimates", "that", "affect", "our", "consolidated", "financial", "statements", "." ]
[ "We", "apply", "our", "best", "judgment", ",", "our", "knowledge", "of", "existing", "facts", "and", "circumstances", "and", "actions", "that", "we", "may", "undertake", "in", "the", "future", "in", "determining", "the", "estimates", "that", "affect", "our", "consolidated", "financial", "statements", "." ]
[]
[ "facts" ]
[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]
[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]