text: Financial instruments actively traded in a secondary market have been valued using quoted available market prices. 
  Financial instruments with stated maturities have been valued using a present value discounted cash flow with a 
  discount rate approximating current market for similar assets and liabilities. Financial instrument assets with 
  variable rates and financial instrument liabilities with no stated maturities have an estimated fair value equal to both 
  the amount payable on demand and the carrying value. Changes in assumptions or estimation methodologies may 
  have a material effect on these estimated fair values. 
  
  The Company’s remaining assets and liabilities, which are not considered financial instruments, have not been 
  valued differently than customary with historical cost accounting. 
  
  There is no material difference between the carrying value and the estimated fair value of the Company’s contractual 
  off-balance-sheet unfunded lines of credit, loan commitments and letters of credit which are generally priced at 
  market at the time of funding. 
  
  Reasonable comparability between financial institutions may not be likely due to the wide range of permitted 
  valuation techniques and numerous estimates which must be made given the absence of active secondary markets 
  for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater 
  degree of subjectivity to these estimated fair values. 