<SEC-DOCUMENT>0001171843-19-006928.txt : 20191030
<SEC-HEADER>0001171843-19-006928.hdr.sgml : 20191030
<ACCEPTANCE-DATETIME>20191029175503
ACCESSION NUMBER:		0001171843-19-006928
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20191029
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20191030
DATE AS OF CHANGE:		20191029

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLUSHING FINANCIAL CORP
		CENTRAL INDEX KEY:			0000923139
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				113209278
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33013
		FILM NUMBER:		191176545

	BUSINESS ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
		BUSINESS PHONE:		718-961-5400

	MAIL ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
</SEC-HEADER>
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Results of Operations and Financial Condition.</strong></div><div style="font-size: 10pt;"><p>On October 29, 2019, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</p></div></div><div><div style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></div><div style="font-size: 10pt;"><p><span style="font-family: 'times new roman', roman, serif; font-size: 10pt;"><a href="exh_991.htm">Exhibit 99.1. Press release dated October 29, 2019</a></span><br /><span style="font-family: 'times new roman', roman, serif; font-size: 10pt;">104 Cover Page Interactive Data File (embedded within the Inline XBRL document)<a href="exh_991.htm"><br /></a></span></p></div></div></div><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: Black 4pt solid;">&#160;</div><div style="page-break-before: always; margin-top: 0pt; margin-bottom: 0pt;">&#160;</div><!-- Signatures --><p style="font-size: 10pt; text-align: center; font-weight: bold;">SIGNATURE</p><p style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr style="vertical-align: top;"><td>&#160;</td><td style="font-size: 10pt; font-weight: bold;" colspan="2">FLUSHING FINANCIAL CORPORATION</td></tr><tr style="vertical-align: top;"><td style="width: 49%;">&#160;</td><td style="width: 2%;">&#160;</td><td style="width: 49%;">&#160;</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;"></td></tr><tr style="vertical-align: top;"><td style="font-size: 10pt;">Date: October 29, 2019</td><td style="font-size: 10pt;">By:&#160;</td><td style="text-decoration: underline; font-size: 10pt;">/s/ MARIA A. GRASSO&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;">Maria A. Grasso</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;">Senior Executive Vice President and Chief Operating Officer</td></tr><tr style="vertical-align: top;"><td>&#160;</td><td>&#160;</td><td style="font-size: 10pt;"></td></tr></table><!-- Exhibit Index --><div></div><!-- (718) 961-5400 Form 8-KOctober 29, 2019 --><p>&#160;</p></body></html>
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<p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p>

<p style="text-align: center;"><font style="font-size: 14pt;"><strong>Flushing Financial Corporation Reports GAAP Diluted EPS of $0.37, Unchanged QoQ, and Core Diluted EPS of $0.48 up 14.3% QoQ; Record Quarterly Loan Closings; Quarter End Loan Pipeline Remains Strong at $419 Million</strong></font></p>

<p style="text-align: center;"><strong></strong></p>

<p>
 <p align="justify"><u>THIRD QUARTER 2019<sup>1</sup> HIGHLIGHTS</u><br></p>  <ul type="disc">

<li style="text-align:justify;">GAAP diluted EPS was $0.37, unchanged QoQ and down 39.3% YoY</li>

<li style="text-align:justify;">Core diluted EPS was $0.48, up 14.3% QoQ and down 11.1% YoY</li>

<li style="text-align:justify;">Record quarterly loan originations driven by C&amp;I closings totaling $237.9 million</li>

<li style="text-align:justify;">Net interest margin was 2.37%, down 8bps QoQ and 35bps YoY</li>

<li style="text-align:justify;">Core net interest margin was 2.33%, down 7bps QoQ and 20bps YoY</li>

<li style="text-align:justify;">GAAP net interest income of $38.9 million, down 2.6% QoQ and 6.2% YoY</li>

<li style="text-align:justify;">Core net interest income of $40.2 million, down 1.5% QoQ and 3.2% YoY</li>

<li style="text-align:justify;">GAAP and core ROAE were 7.6% and 9.8%, respectively, compared with 7.5% and 8.6%, respectively in 2Q19</li>

<li style="text-align:justify;">GAAP and core ROAA were 0.6% and 0.8%, respectively, compared with 0.6% and 0.7%, respectively in 2Q19</li>

<li style="text-align:justify;">Provision for loan losses of $0.7 million, or $0.02 after-tax per diluted common share, driven mainly by growth in the C&amp;I portfolio</li></ul>

<p align="justify">UNIONDALE, N.Y., Oct.  29, 2019  (GLOBE NEWSWIRE) -- Flushing Financial Corporation (the &#8220;Company&#8221;) (Nasdaq-GS: FFIC), the parent holding company for Flushing Bank (the &#8220;Bank&#8221;), today announced its financial results for the third quarter ended September 30, 2019.</p>

<p align="justify">John R. Buran, President and Chief Executive Officer, stated, &#8220;We are pleased to report core diluted earnings per share increased 14%, while GAAP earnings per diluted share was unchanged from 2Q19. The primary difference between GAAP and core earnings is the non-cash net losses from fair value adjustments, or $0.10 per diluted share, which is discussed in more detail later in this release. Core earnings for 3Q19 included the benefit of the FDIC small business assessment credit of $0.03, after-tax per diluted common share and the true-up of our effective tax rate to 22% from 24% which equated to $0.02 per diluted common share. Our core ROAE increased to 9.8% for the quarter compared to 8.6% for the linked quarter and our GAAP ROAE increased seven basis points during the same period to 7.6%. Similarly, the core ROAA increased nine basis points to 0.79% compared to 0.70% for 2Q19 and GAAP ROAA increased one basis point to 0.62%.&#8221;</p>

<p align="justify">&#8220;We generated robust loan growth of 9% (annualized) for the quarter, as we booked record quarterly loan closings driven by record C&amp;I production. This marks the second consecutive quarter of record C&amp;I closings. Total loan closings for the quarter amounted to $398 million, with $238 million, or 60% from C&amp;I closings. The strong C&amp;I production aids the continuing diversification of our loan portfolio. These C&amp;I loans are generally floating rate and represent 19% of total loans at September 30, 2019, compared to 16% at September 30, 2018. At September 30, 2019, the loan pipeline remains strong at $419 million.&#8221;</p>

<p align="justify">&#8220;The net interest margin compressed 8bps QoQ. During the quarter, loan yields on originations decreased 50bps from 2Q19, as we continued to experience pricing pressure due to the inverted yield curve at the pricing point for our loan tenor. Although the Federal Reserve has recently cut rates, we still experienced margin compression on the liability side, with the cost of funds increasing 4bps primarily driven by pricing pressure on our retail and municipal deposits, as competition from traditional bank and non-bank competitors remains very strong. We have experienced an increase in the cost of funds throughout the first two quarters of 2019 and into the middle of 3Q19. Starting in late 3Q19, the cost of funds began to improve. The Company has approximately $1 billion of retail CDs maturing before 3Q20 at an average rate of 2.33%. At quarter-end, our average new CD cost was less than 2.00%. Additionally, in order to continue to diversify deposit gathering channels, we have embarked on a digital transformation strategy. This strategy will enhance our current technological offerings to state of the art digital services. We expect the new technologies to be fully operational in the first quarter of 2020.&#8221;</p>

<p align="justify">&#8220;We remain focused on preserving strong risk management practices, including conservative underwriting standards and improving yields to achieve improved risk-adjusted returns. We continue to focus on increasing the amount of direct loan business, as approximately 65% of 3Q19 loan closings were non-brokered loans.&#8221;</p>  <ul type="disc">

<li style="text-align:justify;">Multi-family (excluding underlying co-operative mortgages), commercial real estate, and one-to-four family mixed-use property mortgage loans originated during 3Q19 had a yield of 4.32%, a decrease of 28bps from 4.60% for 2Q19 and 6bps from 4.38% for 3Q18. As noted, the decrease in the yield of 3Q19 originations was due to the inverted yield curve. We maintained our asset quality as these loans had an average loan-to-value ratio of 40% and an average debt coverage ratio of 191%.</li></ul>  <ul type="disc">

<li style="text-align:justify;">We remain committed to our strategy of focusing on C&amp;I loans, commercial real estate loans and multi-family. In 3Q19, these loan closings represented 60%, 17%, and 15%, respectively, of all originations, while maintaining conservative loan-to-value and debt coverage ratios.</li></ul>

<p align="justify">&#8220;Overall, we remain well capitalized and well positioned to deliver profitable growth and long-term value to our shareholders as we continue to execute our strategic objectives.&#8221;</p>

<p align="justify">&#8220;As previously announced we are opening a new branch in Hicksville, NY, which expands our presence on Long Island.&#8221;</p>

<p align="justify">Mr. Buran continued, &#8220;We are excited about the signing of the definitive merger agreement to acquire Empire Bancorp, Inc. As previously reported, the transaction is valued at an estimated $111.6 million, based on our closing price on October 24, 2019. The combined company at close is expected to have approximately $8.0 billion in assets, $6.3 billion in loans and $5.8 billion in deposits.&#8221;</p>

<p align="justify">Mr. Buran concluded, &#8220;The combination of the new branch opening and merger will provide our customers with an expanded network of 24 branches, with 16 branches in New York City, five branches in Nassau County and three branches in Suffolk County.&#8221;&#160;</p>

<p align="justify"><strong><em><u>Summary of Strategic Objectives</u></em></strong></p>  <ul type="disc">

<li style="text-align:justify;">Manage cost of funds and continue to improve funding mix</li></ul>  <ul type="disc">

<li style="text-align:justify;">Increase interest income by leveraging loan pricing opportunities and portfolio mix</li></ul>  <ul type="disc">

<li style="text-align:justify;">Enhance core earnings power by improving scalability and efficiency</li></ul>  <ul type="disc">

<li style="text-align:justify;">Manage credit risk</li></ul>  <ul type="disc">

<li style="text-align:justify;">Remain well capitalized under all stress test scenarios</li></ul>

<p align="justify"><strong>Earnings Summary: </strong></p>

<p align="justify"><strong><em><u>Net Interest Income </u></em></strong></p>

<p align="justify">Net interest income for 3Q19 was $38.9 million, a decrease of $2.6 million, or 6.2% YoY (3Q19 compared to 3Q18) and $1.1 million, or 2.6% QoQ (3Q19 compared to 2Q19).</p>  <ul type="disc">

<li style="text-align:justify;">Net interest margin of 2.37%, decreased 35bps YoY and 8bps QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Net interest spread of 2.15%, decreased 38bps YoY and 8bps QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Yield on average interest-earning assets of 4.22%, decreased 7bps YoY and 4bps QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Cost of average interest-bearing liabilities of 2.07%, increased 31bps YoY and 4bps QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Cost of funds of 1.94%, increased 30bps YoY and 4bps QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Average balance of total interest-earning assets of $6,589.5 million, increased $459.1 million, or 7.5%, YoY and $49.4 million, or 0.8%, QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">Net interest income includes prepayment penalty income from loans totaling $1.7 million in 3Q19, $1.1 million in 2Q19 and $1.9 million in 3Q18; recovered interest from delinquent loans of $0.3 million in 3Q19, $0.5 million in 2Q19 and $1.1 million in 3Q18; and losses from fair value adjustments on qualifying hedges totaling $1.3 million in 3Q19, $0.8 million in 2Q19 and none in 3Q18</li></ul>  <ul type="disc">

<li style="text-align:justify;">Absent all above items noted in the preceding bullet, the yield on interest-earning assets was 4.18% in 3Q19, a decrease of 3bps from 2Q19 but an increase of 9bps from 3Q18 and the net interest margin was 2.33% in 3Q19, which decreased 7bps from 2Q19 and 20bps from 3Q18</li></ul>

<p align="justify"><strong><em><u>Provision for loan losses</u></em></strong></p>

<p align="justify">The Company recorded a provision of $0.7 million compared to $1.5 million in 2Q19 and none in 3Q18.</p>  <ul type="disc">

<li style="text-align:justify;">3Q19 provision for loan losses was primarily due to growth in the commercial business loan portfolio</li></ul>  <ul type="disc">

<li style="text-align:justify;">Recorded net charge-offs (recoveries) of $0.2 million in 3Q19, $1.0 million in 2Q19, and ($0.1) million in 3Q18</li></ul>

<p align="justify"><strong><em><u>Non-interest Income </u></em></strong></p>

<p align="justify">Non-interest income for 3Q19 was $1.0 million, a decrease of $3.9 million YoY, and $1.4 million QoQ</p>  <ul type="disc">

<li style="text-align:justify;">Non-interest income included net losses from fair value adjustments of $2.1 million in 3Q19, $2.0 million in 2Q19, and $0.2 million in 3Q18</li></ul>  <ul type="disc">

<li style="text-align:justify;">Additionally, non-interest income included net gain on sale of loans of $0.2 million in 3Q19, $0.1 million in 2Q19 and $10,000 in 3Q18; capital gain of $0.5 million in 2Q19, net gain on sale of assets of $0.8 million in 2Q19 and life insurance proceeds of $2.2 million in 3Q18</li></ul>  <ul type="disc">

<li style="text-align:justify;">Absent all above items, non-interest income was $3.0 million in 3Q19 and 2Q19 compared to $2.9 million in 3Q18</li></ul>

<p align="justify"><strong><em><u>Non-interest Expense</u></em></strong></p>

<p align="justify">Non-interest expense for 3Q19 was $26.0 million, a decrease of $1.2 million, or 4.4 % YoY, and $1.1 million, or 4.1% QoQ</p>  <ul type="disc">

<li style="text-align:justify;">Non-interest expense improved QoQ and YoY, primarily due to a reduction in FDIC insurance expense resulting from the FDIC small business assessment credit</li></ul>  <ul type="disc">

<li style="text-align:justify;">Absent the benefit of the FDIC small business assessment credit, non-interest expense was $27.3 million, an increase of $0.1 million, or 0.2% YoY, and $0.1 million, or 0.5% QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">The ratio of non-interest expense to average assets improved to 1.49% in 3Q19 compared to 1.58% in 2Q19 and 1.69% in 3Q18</li></ul>  <ul type="disc">

<li style="text-align:justify;">The efficiency ratio was 58.9% in 3Q19 compared to 61.1% in 2Q19 and 61.0% in 3Q18</li></ul>

<p align="justify"><strong><em><u>Provision for Income Taxes</u></em></strong></p>

<p align="justify">The provision for income taxes in 3Q19 was $2.5 million, an increase of $0.6 million, or 32.8% YoY but a decrease of $0.7 million, or 22.5% QoQ.</p>  <ul type="disc">

<li style="text-align:justify;">Pre-tax income decreased by $6.0 million, or 31.1% YoY, and by $0.6 million, or 4.1% QoQ</li></ul>  <ul type="disc">

<li style="text-align:justify;">The effective tax rates were 19.1% in 3Q19, 23.7% in 2Q19 and 9.9% in 3Q18</li></ul>  <ul type="disc">

<li style="text-align:justify;">The 3Q19 effective tax rate reflects a reduction in the estimated full year tax rate to 22% from 24%</li></ul>

<p align="justify"><strong>Financial Condition Summary:</strong></p>

<p align="justify"><strong><u>Loans:</u></strong></p>  <ul type="disc">

<li style="text-align:justify;">Net loans held for investment were $5,743.7 million reflecting an increase of 2.3% QoQ (not annualized) and 7.2% from September 30, 2018, as we continue to focus on the origination of full banking relationship loans through C&amp;I loans, multi-family loans and commercial real estate</li></ul>  <ul type="disc">

<li style="text-align:justify;">Loan closings of commercial business loans, multi-family loans and commercial real estate totaled $364.9 million for 3Q19, or 91.6% of loan production</li></ul>  <ul type="disc">

<li style="text-align:justify;">Loan pipeline was $418.9 million at September 30, 2019, compared to $423.9 million at June 30, 2019 and $355.2 million at September 30, 2018</li></ul>  <ul type="disc">

<li style="text-align:justify;">The loan-to-value ratio on our portfolio of real estate dependent loans as of September 30, 2019 totaled 38.4%</li></ul>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="10" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="10" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">The following table shows the weighted average rate received from loan closings for the periods indicated:</td></tr>
<tr>
    <td colspan="10" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="8" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the three months ended</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
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    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:32%; min-width:32%;;border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Loan type</td>
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    <td colspan="2" style="max-width:17%; min-width:17%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019<br ></td>
    <td style="max-width:1%; min-width:1%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="max-width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019<br ></td>
    <td style="max-width:1%; min-width:1%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="max-width:19%; min-width:19%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018<br ></td></tr>
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    <td style="max-width:49%; width:49%; min-width:49%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Mortgage loans</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:13%; width:13%; min-width:13%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.40</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:13%; width:13%; min-width:13%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.75</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:13%; width:13%; min-width:13%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.48</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Non-mortgage loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.38</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5.01</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.50</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total loans</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.39</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.89</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.49</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p align="justify">&#160;<br ></p>

<p align="justify"><strong><u>Credit Quality:</u></strong><br ></p>  <ul type="disc">

<li style="text-align:justify;">Non-performing loans totaled $14.7 million, a decrease of $1.5 million, or 9.5%, from $16.3 million at December 31, 2018</li></ul>  <ul type="disc">

<li style="text-align:justify;">Non-performing assets totaled $15.0 million, a decrease of $1.3 million, or 8.0%, from $16.3 million at December 31, 2018</li></ul>  <ul type="disc">

<li style="text-align:justify;">Classified assets totaled $31.3 million, a decrease of $15.2 million, or 32.6%, from $46.5 million at December 31, 2018</li></ul>  <ul type="disc">

<li style="text-align:justify;">Loans classified as troubled debt restructured (TDR) totaled $7.0 million, a decrease of $1.3 million, or 16.0%, from $8.4 million at December 31, 2018</li></ul>  <ul type="disc">

<li style="text-align:justify;">We anticipate continued low loss content in the portfolio, as our strong underwriting standards coupled with our practice of obtaining updated appraisals and recording charge-offs early in the delinquency process has resulted in a 34.5% average loan-to-value for non-performing loans collateralized by real estate</li></ul>  <ul type="disc">

<li style="text-align:justify;">Net charge-offs totaled $2.0 million during the nine months ended September 30, 2019 driven mainly by charge-offs of one commercial business loan relationship</li></ul>

<p><strong><u>Capital Management:</u></strong></p>  <ul type="disc">

<li style="text-align:justify;">The Company and Bank, at September 30, 2019, were both well capitalized under all applicable regulatory requirements</li></ul>  <ul type="disc">

<li style="text-align:justify;">Through 3Q19, stockholders&#8217; equity increased $18.9 million, or 3.4%, to $568.4 million due to net income of $28.3 million, partially offset by the declaration and payment of dividends on the Company&#8217;s common stock</li></ul>  <ul type="disc">

<li style="text-align:justify;">During 3Q19, the Company repurchased 40,000 shares at an average cost of $19.28 per share; as of September 30, 2019, up to 427,211 shares remained subject to repurchase under the authorized stock repurchase program, which has no expiration or maximum dollar limit</li></ul>  <ul type="disc">

<li style="text-align:justify;">Book value per common share increased to $20.19 at September 30, 2019, from $19.64 at December 31, 2018 and tangible book value per common share, a non-GAAP measure, increased to $19.62 at September 30, 2019, from $19.07 at December 31, 2018</li></ul>

<p><strong><u>Conference Call Information:</u></strong></p>  <ul type="disc">

<li style="text-align:justify;">John R. Buran, President and Chief Executive Officer, and Susan K. Cullen, Senior Executive Vice President and Chief Financial Officer, will host a conference call on Wednesday, October 30, 2019 at 9:30 AM (ET) to discuss the Company&#8217;s strategy and results for the third quarter</li></ul>  <ul type="disc">

<li style="text-align:justify;">Dial-in for Live Call: 1-877-509-5836</li></ul>  <ul type="disc">

<li style="text-align:justify;">Webcast: <u>https://services.choruscall.com/links/ffic191030.html</u></li></ul>  <ul type="disc">

<li style="text-align:justify;">Dial-in for Replay: 1-877-344-7529</li></ul>  <ul type="disc">

<li style="text-align:justify;">Replay Access Code: 10129663</li></ul>  <ul type="disc">

<li style="text-align:justify;">The conference call will be simultaneously webcast&#160;and archived through 5:00 PM (ET) on October 30, 2020<strong><br > </strong></li></ul>

<p><strong>About Flushing Financial Corporation</strong></p>

<p align="justify">Flushing Financial Corporation (Nasdaq: FFIC) is the holding company for Flushing Bank&#174;, a New York State-chartered commercial bank insured by the Federal Deposit Insurance Corporation. The Bank serves consumers, businesses, professionals, corporate clients, and public entities by offering a full complement of deposit, loan, equipment finance, and cash management services through its banking offices located in Queens, Brooklyn, Manhattan, and on Long Island. As a leader in real estate lending, the Bank&#8217;s experienced lending team creates mortgage solutions for real estate owners and property managers both within and outside the New York City metropolitan area. Flushing Bank is an Equal Housing Lender. The Bank also operates an online banking division consisting of iGObanking.com&#174;, which offers competitively priced deposit products to consumers nationwide, and BankPurely&#174;, an eco-friendly, healthier lifestyle community brand.</p>

<p align="justify">Additional information on Flushing Bank and Flushing Financial Corporation may be obtained by visiting the Company&#8217;s website at <u>http://www.flushingbank.com</u>.</p>

<p align="justify"><strong><em>&#8220;Safe Harbor&#8221; Statement under the Private Securities Litigation Reform Act of 1995:</em></strong> Statements in this Press Release relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments and other statements that are not descriptions of historical facts may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors discussed in the Company&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2018 and in other documents filed by the Company with the Securities and Exchange Commission from time to time. Forward-looking statements may be identified by terms such as &#8220;may&#8221;, &#8220;will&#8221;, &#8220;should&#8221;, &#8220;could&#8221;, &#8220;expects&#8221;, &#8220;plans&#8221;, &#8220;intends&#8221;, &#8220;anticipates&#8221;, &#8220;believes&#8221;, &#8220;estimates&#8221;, &#8220;predicts&#8221;, &#8220;forecasts&#8221;, &#8220;goals&#8221;, &#8220;potential&#8221; or &#8220;continue&#8221; or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The Company has no obligation to update these forward-looking statements.</p>

<p align="center">- <strong><em>Statistical Tables Follow</em></strong> -</p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>CONSOLIDATED STATEMENTS OF INCOME</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands, except per share data)</td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="21" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="11" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the three months ended</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="7" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the nine months ended</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
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    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:35%; width:35%; min-width:35%;;border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Interest and Dividend Income</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest and fees on loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,825</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,273</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">59,658</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">187,428</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">171,997</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest and dividends on securities:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Interest</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,287</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,811</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,562</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20,007</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,646</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Dividends</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">56</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">49</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other interest income</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">259</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">472</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">248</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,286</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">873</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total interest and dividend income</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">69,389</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">69,575</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">65,486</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">208,777</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">189,565</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Interest Expense</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Deposits</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,244</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,827</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,425</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">66,540</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">44,323</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other interest expense</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,196</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,739</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,540</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">21,476</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,472</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total interest expense</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,440</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">29,566</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">23,965</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">88,016</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,795</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Net Interest Income</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,949</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,009</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,521</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">120,761</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126,770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Provision for loan losses</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">683</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,474</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,129</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">153</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Net Interest Income After Provision for Loan Losses</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,266</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,535</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,521</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">117,632</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126,617</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Non-interest Income</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Banking services fee income</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">847</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,059</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,017</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,879</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,965</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss on sale of securities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(15</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(15</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net gain on sale of loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">204</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">114</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">381</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">168</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net gain on sale of assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss from fair value adjustments</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2,124</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,956</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(170</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(6,160</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(537</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Federal Home Loan Bank of New York stock dividends</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">834</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">826</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">873</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,563</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,630</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Life insurance proceeds</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,222</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">43</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,998</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Bank owned life insurance</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,000</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">810</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">782</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,550</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,320</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other income</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">278</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">843</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">221</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,422</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">779</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total non-interest income</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,039</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,451</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,955</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,433</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11,323</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Non-interest Expense</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Salaries and employee benefits</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,461</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,668</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,720</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,295</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">49,466</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Occupancy and equipment</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,847</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,742</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,475</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,378</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,528</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Professional services</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,167</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,806</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,915</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,238</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,539</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">FDIC deposit insurance</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(589</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">667</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">596</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">563</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,643</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Data processing</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,490</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,420</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,427</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,402</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,254</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Depreciation and amortization</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,439</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,497</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,484</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,454</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,328</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other real estate owned/foreclosure expense (benefit)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">48</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(102</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">145</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">34</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net gain from sales of real estate owned</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(27</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other operating expenses</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,182</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,338</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,718</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11,147</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,158</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total non-interest expense</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">26,045</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">27,158</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">27,233</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">85,622</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">85,923</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Income Before Income Taxes</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,260</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,828</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19,243</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">36,443</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">52,017</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Provision for Income Taxes</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Federal</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,457</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,981</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,307</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,381</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,225</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">State and local</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">79</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">291</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(397</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">714</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,124</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total taxes</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,536</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,272</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,910</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,095</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9,349</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Net Income</strong></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10,724</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10,556</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,333</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,348</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">42,668</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Basic earnings per common share</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.99</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.48</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Diluted earnings per common share</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.99</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.48</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Dividends per common share</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.21</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.21</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.20</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.63</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.60</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="12" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="12" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION</strong></td></tr>
<tr>
    <td colspan="12" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands, except per share data)</td></tr>
<tr>
    <td colspan="12" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="12" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">December 31,</td></tr>
<tr>
    <td style="max-width:51%; width:51%; min-width:51%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; "><strong><u>ASSETS</u></strong></td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Cash and due from banks</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">86,989</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">56,484</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">118,561</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Securities held-to-maturity:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgage-backed securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,939</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,944</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,953</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">52,101</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">52,242</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">24,065</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Securities available for sale:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgage-backed securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">579,010</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">554,481</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">557,953</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">246,465</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">254,172</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">264,702</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Loans:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Multi-family residential</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,232,305</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,263,875</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,269,048</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Commercial real estate</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,559,581</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,524,693</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,542,547</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">One-to-four family &#8213; mixed-use property</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">587,100</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">582,264</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">577,741</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">One-to-four family &#8213; residential</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">184,432</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">184,024</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">190,350</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Co-operative apartments</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9,089</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,137</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,498</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Construction</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">64,234</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">58,503</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,600</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Small Business Administration</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,982</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,511</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,210</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Taxi medallion</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,513</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,555</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,539</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Commercial business and other</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,096,164</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">983,573</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">877,763</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Net unamortized premiums and unearned loan fees</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,363</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,278</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,188</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Allowance for loan losses</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(22,035</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(21,510</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(20,945</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Net loans</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,743,728</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,616,903</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,530,539</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest and dividends receivable</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">26,566</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">26,552</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">25,485</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Bank premises and equipment, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,146</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,623</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,418</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Federal Home Loan Bank of New York stock</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">65,280</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">63,029</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">57,282</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Bank owned life insurance</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">158,604</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">157,604</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">131,788</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Goodwill</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other real estate owned, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Right of use asset</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">42,400</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">42,557</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">57,301</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">68,677</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">69,303</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total assets</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,110,895</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,945,634</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,834,176</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>LIABILITIES</strong></u></td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Due to depositors:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-interest bearing</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">421,786</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">413,813</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">413,747</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Certificate of deposit accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,506,376</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,544,117</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,563,310</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Savings accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">193,497</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">196,820</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">210,022</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Money market accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,329,156</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,302,153</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,427,992</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">NOW accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,461,694</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,368,813</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,300,852</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total deposits</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,912,509</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,825,716</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,915,923</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Mortgagors' escrow deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">61,803</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">52,201</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">44,861</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Borrowed funds</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,422,440</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,371,890</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,250,843</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Operating lease liability</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,626</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,898</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other liabilities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">95,125</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">79,539</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">73,085</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total liabilities</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,542,503</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,380,244</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>STOCKHOLDERS' EQUITY</strong></u></td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Preferred stock (5,000,000 shares authorized; none issued)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Common stock ($0.01 par value; 100,000,000 shares authorized; 31,530,595 shares</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">issued at September 30, 2019, June 30, 2019 and December 31, 2018; 28,157,206</td>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">June 30, 2019 and December 31, 2018, respectively)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">315</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">315</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">315</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">225,471</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">224,231</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">222,720</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Treasury stock (3,373,389 shares, 3,342,673 shares and 3,546,958 shares at</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">September 30, 2019, June 30, 2019 and December 31, 2018, respectively)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(71,487</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(70,913</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(75,146</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Retained earnings</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">427,062</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">422,373</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">414,327</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Accumulated other comprehensive loss, net of taxes</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(12,969</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(10,616</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(12,752</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total stockholders' equity</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">568,392</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">565,390</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">549,464</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total liabilities and stockholders' equity</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,110,895</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,945,634</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,834,176</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>SELECTED CONSOLIDATED FINANCIAL DATA</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands, except per share data)</td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="21" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="11" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">At or for the three months ended</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="7" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">At or for the nine months ended</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:35%; width:35%; min-width:35%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Per Share Data</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Basic earnings per share</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.99</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.48</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Diluted earnings per share</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.99</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.48</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Average number of shares outstanding for:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Basic earnings per common share computation</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,730,161</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,760,816</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,603,543</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,704,398</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,806,152</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Diluted earnings per common share computation</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,730,161</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,760,816</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,603,948</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,704,402</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,806,885</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Shares outstanding</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,157,206</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,187,922</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,025,081</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,157,206</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,025,081</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Book value per common share (1)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20.19</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20.06</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19.33</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20.19</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19.33</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Tangible book value per common share (2)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19.62</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19.50</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18.77</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19.62</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18.77</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Stockholders' Equity</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Stockholders' equity</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">568,392</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">565,390</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">541,756</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">568,392</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">541,756</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Tangible stockholders' equity</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">552,551</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">549,549</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">525,920</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">552,551</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">525,920</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Average Balances</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total loans, net</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,645,503</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,565,057</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,280,172</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,585,445</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,276,039</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total interest-earning assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,589,498</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,540,134</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,130,422</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,550,509</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,136,887</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,972,403</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,891,541</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,446,540</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,911,077</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,445,097</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total due to depositors</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,422,050</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,595,189</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,213,118</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,537,869</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,233,490</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total interest-bearing liabilities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,877,740</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,825,187</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,455,867</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,838,307</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,471,382</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Stockholders' equity</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">564,255</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">560,624</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">536,416</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">559,209</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">532,601</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Performance Ratios </strong></u>(3)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Return on average assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.62</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.08</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.55</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.88</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Return on average equity</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.60</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.53</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12.93</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6.76</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10.68</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Yield on average interest-earning assets (4)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.22</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.26</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.29</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.26</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.13</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Cost of average interest-bearing liabilities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.07</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.03</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.76</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.01</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.53</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Cost of funds</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.94</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.90</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.64</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.88</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.44</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest rate spread during period (4)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.15</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.23</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.53</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.25</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.60</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net interest margin (4)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.45</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.72</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.47</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.77</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Non-interest expense to average assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.49</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.58</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.69</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.65</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.78</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Efficiency ratio (5)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">58.87</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">61.06</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">60.97</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">63.52</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">63.28</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Average interest-earning assets to average</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">X</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">X</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">X</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">X</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">X</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(1) Calculated by dividing stockholders&#8217; equity by shares outstanding.</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(2) Calculated by dividing tangible stockholders&#8217; common equity, a non-GAAP measure, by shares outstanding. Tangible stockholders&#8217; common equity is stockholders&#8217; equity less intangible assets (goodwill, net of deferred taxes). See &#8220;Calculation of Tangible Stockholders&#8217; Common Equity to Tangible Assets&#8221;.</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(3) Ratios are presented on an annualized basis, where appropriate.</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(4) Yields are calculated on the tax equivalent basis using the statutory federal income tax rate of 21% for the periods presented.</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(5) Efficiency ratio, a non-GAAP measure, was calculated by dividing non-interest expense (excluding accelerated employee benefits upon officers death, merger expense, OREO expense and the net gain/loss from the sale of OREO) by the total of net interest income (excluding net losses from fair value adjustments on qualifying hedges) and non-interest income (excluding net gains and losses from the sale of securities, assets and fair value adjustments and life insurance proceeds).</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="13" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="13" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>SELECTED CONSOLIDATED FINANCIAL DATA</strong></td></tr>
<tr>
    <td colspan="13" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands)</td></tr>
<tr>
    <td colspan="13" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="13" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">At or for the nine</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">At or for the year</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">At or for the nine</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">months ended</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">ended</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">months ended</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30, 2019</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">December 31, 2018</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30, 2018</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Selected Financial Ratios and Other Data</strong></u></td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Regulatory capital ratios (for Flushing Financial Corporation):</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="max-width:49%; width:49%; min-width:49%;;vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 capital</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:11%; width:11%; min-width:11%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">606,844</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:11%; width:11%; min-width:11%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">586,582</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:11%; width:11%; min-width:11%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">578,034</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Common equity Tier 1 capital</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">564,466</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">546,230</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">539,306</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total risk-based capital</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">703,879</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">682,527</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">673,343</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 leverage capital (well capitalized = 5%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.71</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.74</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.92</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Common equity Tier 1 risk-based capital (well capitalized = 6.5%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10.73</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10.98</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11.07</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 risk-based capital (well capitalized = 8.0%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11.53</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11.79</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11.86</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total risk-based capital (well capitalized = 10.0%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.37</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.72</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.82</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Regulatory capital ratios (for Flushing Bank only):</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 capital</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">673,084</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">660,782</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">655,965</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Common equity Tier 1 capital</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">673,084</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">660,782</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">655,965</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total risk-based capital</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">695,120</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">681,727</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">676,274</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 leverage capital (well capitalized = 5%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9.66</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9.85</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10.12</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Common equity Tier 1 risk-based capital (well capitalized = 6.5%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12.79</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.28</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.46</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tier 1 risk-based capital (well capitalized = 8.0%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12.79</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.28</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.46</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total risk-based capital (well capitalized = 10.0%)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.21</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.70</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13.88</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Capital ratios:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Average equity to average assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.09</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.22</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.26</td>
    <td style="padding-left: 0 ; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Equity to total assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.99</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.04</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.28</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Tangible common equity to tangible assets (1)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.79</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.83</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.06</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Asset quality:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-accrual loans (2)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-performing loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,705</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,253</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,644</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-performing assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,979</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,288</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,679</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Net charge-offs/ (recoveries)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,039</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(19</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">195</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Asset quality ratios:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-performing loans to gross loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.26</td>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.29</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.24</td>
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<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Non-performing assets to total assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.21</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.24</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.19</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Allowance for loan losses to gross loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.38</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.38</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.38</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Allowance for loan losses to non-performing assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">147.11</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">128.60</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">160.17</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Allowance for loan losses to non-performing loans</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">149.85</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">128.87</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">160.62</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Full-service customer facilities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="13" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="13" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(1)&#160;See &#8220;Calculation of Tangible Stockholders&#8217; Common Equity to Tangible Assets&#8221;.</td></tr>
<tr>
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</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="27" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="27" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>NET INTEREST MARGIN</strong></td></tr>
<tr>
    <td colspan="27" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands)</td></tr>
<tr>
    <td colspan="27" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="27" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="26" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the three months ended</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="8" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30, 2019</td>
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    <td colspan="8" style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30, 2018</td></tr>
<tr>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Average</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Average</td>
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    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Average</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Balance</td>
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    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Cost</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Balance</td>
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    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Cost</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Balance</td>
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    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Cost</td></tr>
<tr>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="2">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="2">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="3">&#160;</td>
    <td class="gnw_hidden_cell hugin" colspan="2">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Interest-earning Assets:</strong></td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="max-width:26%; width:26%; min-width:26%;;vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgage loans, net</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,598,898</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,462</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.39</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">%</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,590,429</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,206</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.37</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">%</td>
    <td style="max-width:1%; width:1%; min-width:1%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,467,349</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">49,612</td>
    <td style="max-width:1%; width:1%; min-width:1%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.44</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other loans, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,046,605</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,363</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.72</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">974,628</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,067</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.95</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">812,823</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10,046</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.94</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total loans, net (1) (2)</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,645,503</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,825</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.45</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,565,057</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,273</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.48</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,280,172</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">59,658</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.52</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Taxable securities:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgage-backed</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">574,756</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,765</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.62</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">585,892</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,225</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.88</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">542,192</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,800</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.80</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">244,757</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,982</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.24</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">242,560</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,135</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.52</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,174</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">928</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.01</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total taxable securities</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">819,513</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,747</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.81</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">828,452</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,360</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.07</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">665,366</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,728</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.84</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Tax-exempt securities: (3)</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">65,709</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">706</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.30</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">56,064</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">595</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.25</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,472</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,078</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.49</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total tax-exempt securities</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">65,709</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">706</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.30</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">56,064</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">595</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.25</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,472</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,078</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.49</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Interest-earning deposits</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">and federal funds sold</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">58,773</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">259</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.76</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">90,561</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">472</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.08</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">61,412</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">248</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.62</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total interest-earning</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,589,498</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">69,537</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.22</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,540,134</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">69,700</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.26</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,130,422</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">65,712</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.29</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">382,905</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">351,407</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">316,118</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total assets</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,972,403</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,891,541</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,446,540</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Interest-bearing Liabilities:</strong></td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Savings accounts</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">194,736</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">344</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.71</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">200,349</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">348</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.69</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">219,749</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">304</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.55</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">NOW accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,347,145</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,654</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.68</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,541,956</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,641</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.72</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,336,873</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,416</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.32</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Money market accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,306,634</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,859</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.10</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,336,526</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,974</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.09</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,169,130</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,126</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.75</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Certificate of deposit</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,573,535</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9,321</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.37</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,516,358</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,802</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.32</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,487,366</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,453</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.00</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total due to depositors</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,422,050</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,178</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.01</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,595,189</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,765</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.98</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,213,118</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,299</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.64</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgagors' escrow</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">accounts</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">60,084</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">66</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.44</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">83,799</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.30</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">57,573</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.88</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total interest-bearing</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,482,134</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,244</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.99</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,678,988</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">22,827</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.95</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,270,691</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,425</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.63</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Borrowings</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,395,606</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,196</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.35</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,146,199</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,739</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.35</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,185,176</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,540</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.21</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total interest-bearing</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">liabilities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,877,740</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,440</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.07</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,825,187</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">29,566</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.03</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,455,867</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">23,965</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.76</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Non interest-bearing</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">demand deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">400,762</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">394,642</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">380,825</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other liabilities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">129,646</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">111,088</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">73,432</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total liabilities</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,408,148</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,330,917</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,910,124</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Equity</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">564,255</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">560,624</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">536,416</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,891,541</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,446,540</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">39,097</td>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,134</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,747</td>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">711,758</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">714,947</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">674,555</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.72</td>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Ratio of interest-earning</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">assets to interest-bearing</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td colspan="27" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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<tr>
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<tr>
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</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="18" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
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<tr>
    <td colspan="18" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands)</td></tr>
<tr>
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<tr>
    <td colspan="18" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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<tr>
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<tr>
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<tr>
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<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,602,896</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">151,513</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:10%; width:10%; min-width:10%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.39</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">%</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,473,422</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:8%; width:8%; min-width:8%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">143,397</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:10%; width:10%; min-width:10%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.27</td>
    <td style="max-width:2%; width:2%; min-width:2%;;vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other loans, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">982,549</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35,915</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.87</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">802,617</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">28,600</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.75</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total loans, net (1) (2)</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,585,445</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">187,428</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.47</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,276,039</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">171,997</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.35</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Taxable securities:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgage-backed</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">578,020</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,238</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.82</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">533,394</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11,061</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.76</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">243,071</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,328</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.47</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">125,589</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,072</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.26</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total taxable securities</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">821,091</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,566</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.01</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">658,983</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,133</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.86</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Tax-exempt securities: (3)</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Other securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">60,010</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,895</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.21</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,882</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,243</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.49</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total tax-exempt securities</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">60,010</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,895</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.21</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,882</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,243</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.49</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Interest-earning deposits</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">and federal funds sold</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">83,963</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,286</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.04</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">77,983</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">873</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.49</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total interest-earning</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,550,509</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">209,175</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.26</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,136,887</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">190,246</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.13</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">360,568</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">308,210</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total assets</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,911,077</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,445,097</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Interest-bearing Liabilities:</strong></td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Deposits:</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Savings accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">200,246</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,053</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.70</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">240,234</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">978</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.54</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">NOW accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,458,801</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,326</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.67</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,439,997</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10,928</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.01</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Money market accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,340,841</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20,654</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.05</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,102,374</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,184</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.47</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Certificate of deposit</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,537,981</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">26,326</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.28</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,450,885</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">20,034</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.84</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total due to depositors</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,537,869</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">66,359</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.95</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,233,490</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">44,124</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.39</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Mortgagors' escrow</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">accounts</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">68,678</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">181</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.35</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">64,620</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">199</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.41</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total interest-bearing</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,606,547</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">66,540</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.93</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,298,110</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">44,323</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.37</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Borrowings</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,231,760</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">21,476</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.32</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,173,272</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,472</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.10</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">Total interest-bearing</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">liabilities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,838,307</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">88,016</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.01</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,471,382</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,795</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.53</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Non interest-bearing</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">demand deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">398,085</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">372,257</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other liabilities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">115,476</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">68,857</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total liabilities</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,351,868</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,912,496</td>
    <td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Equity</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">559,209</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">532,601</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 25.0px; vertical-align: bottom ; ">Total liabilities and</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">equity</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,911,077</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,445,097</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net interest income /</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">net interest rate spread (tax equivalent) (3)</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">121,159</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.25</td>
    <td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">%</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">127,451</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.60</td>
    <td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net interest-earning assets /</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">net interest margin (tax equivalent)</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">712,202</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td colspan="18" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="18" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(1)&#160;Loan interest income includes loan fee income (which includes net amortization of deferred fees and costs, late charges, and prepayment penalties) of approximately $1.7 million and $1.6 million for the nine months ended September 30, 2019 and 2018, respectively.</td></tr>
<tr>
    <td colspan="18" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(2)&#160;Loan interest income includes net losses from fair value adjustments on qualifying hedges of $2.7 million and none for the nine months ended September 30, 2019 and September 30, 2018, respectively.</td></tr>
<tr>
    <td colspan="18" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">(3)&#160;Interest and yields are calculated on the tax equivalent basis using the statutory federal income tax rate of 21% for the nine months ended September 30, 2019 and September 30, 2018 totaling $398,000 and $681,000, respectively.</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="26" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
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<tr>
    <td colspan="26" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="26" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(Dollars in thousands)</em></td>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">% Change</td></tr>
<tr>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">421,786</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">413,813</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">401,064</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">413,747</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.9</td>
    <td style="max-width:4%; width:4%; min-width:4%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">398,606</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5.8</td>
    <td style="max-width:4%; width:4%; min-width:4%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Interest bearing:</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Certificate of deposit</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 20.0px; vertical-align: bottom ; ">accounts</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,506,376</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,544,117</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,511,770</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,563,310</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,562,962</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-3.6</td>
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<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">193,497</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">196,820</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">201,811</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">210,022</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-7.9</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">216,976</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-10.8</td>
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<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,329,156</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,302,153</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,352,843</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,427,992</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-6.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,223,640</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
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    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,461,694</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,368,813</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,542,606</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,300,852</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12.4</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,255,464</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16.4</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
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    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">deposits</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,490,723</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,411,903</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,609,030</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,502,176</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-0.3</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,259,042</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5.4</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total deposits</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,912,509</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,825,716</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,010,094</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,915,923</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-0.1</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,657,648</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5.5</td>
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</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>LOANS</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; "><strong><u>Loan Closings</u></strong></td></tr>
<tr>
    <td colspan="21" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="11" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the three months ended</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="7" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">For the nine months ended</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="max-width:35%; width:35%; min-width:35%;;border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(In thousands)</em></td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">60,454</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">102,484</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">66,648</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">42,700</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,569</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,289</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">175,013</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,167</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,885</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,870</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">47,475</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">45,232</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,421</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,884</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11,362</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19,191</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35,304</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Co-operative apartments</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,817</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">300</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,117</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,500</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,761</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18,715</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,008</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,377</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">30,627</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Small Business Administration</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">121</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,255</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">344</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,705</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,539</td>
    <td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial business and other</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">237,754</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">156,029</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">133,188</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">524,113</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">361,207</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">398,143</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">296,397</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">308,825</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">892,564</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">906,059</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="26" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; "><strong><u>Loan Composition</u></strong></td></tr>
<tr>
    <td colspan="26" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(Dollars in thousands)</em></td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">% Change</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">% Change</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><u><strong>Loans held for investment:</strong></u></td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="max-width:18%; width:18%; min-width:18%;;text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Multi-family residential</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,232,305</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,263,875</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,256,447</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,269,048</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-1.6</td>
    <td style="max-width:4%; width:4%; min-width:4%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,235,370</td>
    <td style="max-width:2%; width:2%; min-width:2%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:6%; width:6%; min-width:6%;;padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-0.1</td>
    <td style="max-width:4%; width:4%; min-width:4%;;padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial real estate</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,559,581</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,524,693</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,529,001</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,542,547</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.1</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,460,555</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6.8</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">One-to-four family &#8213;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">mixed-use property</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">587,100</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">582,264</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">582,049</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">577,741</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">565,302</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">One-to-four family &#8213; residential</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">184,432</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">184,024</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">188,615</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">190,350</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-3.1</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">188,975</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-2.4</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Co-operative apartments</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9,089</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,137</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,903</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8,498</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.0</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,771</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17.0</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Construction</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">64,234</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">58,503</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">54,933</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">50,600</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">26.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">59.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,982</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,511</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,188</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,210</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-8.1</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,322</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,513</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,555</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,891</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4,539</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-22.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,078</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-42.2</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,096,164</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">983,573</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">935,297</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">877,763</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">24.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">846,224</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">29.5</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net unamortized premiums</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,363</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,278</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,422</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,188</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.2</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,226</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Allowance for loan losses</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(22,035</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(21,510</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(21,015</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(20,945</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5.2</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(20,309</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.5</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Net loans</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,743,728</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,616,903</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,567,731</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,530,539</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3.9</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,359,753</td>
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    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7.2</td>
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</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="20" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; "><strong><u>Net Loans Activity</u></strong></td></tr>
<tr>
    <td colspan="20" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
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<tr>
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    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Loans originated and purchased</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">398,143</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">296,397</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">198,024</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">344,732</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">308,825</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Principal reductions</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(266,894</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(243,263</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(158,815</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(173,061</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(257,902</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Loans sold</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(3,553</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,970</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,043</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4,027</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Loan charged-offs</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(431</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,114</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,138</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(211</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(220</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Foreclosures</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net change in deferred fees and costs</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">85</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(144</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">234</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(38</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(421</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net change in the allowance for loan losses</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(525</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(495</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(70</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(636</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(89</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Total loan activity</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126,825</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">49,172</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">37,192</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">170,786</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">46,166</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>NON-PERFORMING ASSETS and NET CHARGE-OFFS</strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">March 31,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">December 31,</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:35%; width:35%; min-width:35%;;border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(Dollars in thousands)</em></td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Loans 90 Days Or More Past Due</strong></td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; "><strong>and Still Accruing:</strong></td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Multi-family residential</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">445</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial real estate</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">111</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">445</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">111</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Non-accrual Loans:</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Multi-family residential</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,132</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,008</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,009</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,410</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">862</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial real estate</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">872</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,488</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,050</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,379</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,398</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">One-to-four family - mixed-use property</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">683</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,752</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,305</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">928</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">795</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,050</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,411</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,708</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,144</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,610</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Construction</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">950</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Small Business Administration</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,151</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,224</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,227</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,267</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,395</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Taxi medallion(1)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,352</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,361</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,372</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">613</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">712</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial business and other(1)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,020</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,458</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,114</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,512</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">761</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,260</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,702</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,735</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,253</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,533</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; "><strong>Total Non-performing Loans</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,705</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,702</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,735</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,253</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,644</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Other Non-performing Assets:</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Real estate acquired through foreclosure</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">239</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Other asset acquired through foreclosure</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Total</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">274</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">274</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; "><strong>Total Non-performing Assets</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">14,979</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,976</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,770</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">16,288</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,679</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Non-performing Assets to Total Assets</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.21</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.23</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.23</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.24</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.19</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><strong>Allowance For Loan Losses to Non-performing Loans</strong></td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">149.8</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">137.0</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">133.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">128.9</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">160.6</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; "><sup>(1)&#160;</sup>Not included in the above analysis are non-accrual performing TDR taxi medallion loans totaling $2.2 million in 3Q19, $2.2 million in 2Q19, $2.5 million in 1Q19, $3.9 million in 4Q18, and $5.4 million in 3Q18 and non-accrual performing TDR commercial business loans totaling $1.0 million in 3Q19.</td></tr>
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="21" style="text-align: justify ;  vertical-align: middle; vertical-align: bottom ; "><strong><u>Net Charge-Offs (Recoveries)</u></strong></td></tr>
<tr>
    <td colspan="21" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="19" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Three Months Ended</td></tr>
<tr>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="4" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">December 31,</td>
    <td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<tr>
    <td style="max-width:35%; width:35%; min-width:35%;;border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(In thousands)</em></td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:7%; width:7%; min-width:7%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Multi-family residential</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">183</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(10</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(13</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">18</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(7</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
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<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(140</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(85</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(18</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(36</td>
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<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(3</td>
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    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">110</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(199</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(258</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(32</td>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">170</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">134</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(50</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(84</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(143</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Commercial business and other</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">150</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">954</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,092</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(20</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13</td>
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<tr>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">158</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">902</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
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<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
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<p align="justify">&#160;<br ></p>

<p align="justify"><strong><em><u>Non-cash Fair Value Adjustments to GAAP Earnings</u></em></strong><br ></p>

<p align="justify">During the current year, core earnings were higher than GAAP earnings primarily due to the impact of non-cash net losses from fair value adjustments. These fair value adjustments relate primarily to swaps designated to protect against rising rates. As the swaps get closer to maturity the volatility in fair value adjustments will dissipate. Overall, the interest movement of the swaps is benefitting the core net interest margin while the fair value adjustments are offsetting the benefit. In a declining interest rate environment, the movement in the curve exaggerates our mark-to-market loss position. In a rising interest rate environment or a steepening of the yield curve the loss position would experience an improvement.</p>

<p align="justify">Core Diluted EPS, Core ROAE, Core ROAA, Core Net Interest Income, Core Yield on Total Loans, Core Net Interest Margin and tangible book value per common share are each non-GAAP measures used in this release.&#160;A reconciliation to the most directly comparable GAAP financial measures appears below in tabular form.&#160;The Company believes that these measures are useful for both investors and management to understand the effects of certain interest and non-interest items and provide an alternative view of the Company's performance over time and in comparison to the Company's competitors.&#160;These measures should not be viewed as a substitute for net income.&#160;The Company believes that tangible book value per common share is useful for both investors and management as these are measures commonly used by financial institutions, regulators and investors to measure the capital adequacy of financial institutions.&#160;The Company believes these measures facilitate comparison of the quality and composition of the Company's capital over time and in comparison to its competitors.&#160;These measures should not be viewed as a substitute for total shareholders' equity.</p>

<p align="justify">These non-GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited.&#160;They should not be considered in isolation or as a substitute for analysis of results reported under GAAP.&#160;These non-GAAP measures may not be comparable to similarly titled measures reported by other companies.</p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="17" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>RECONCILIATION OF GAAP EARNINGS and CORE EARNINGS</strong></td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands, except per share data)</td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="17" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
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    <td colspan="6" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Nine Months Ended</td></tr>
<tr>
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    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
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    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:33%; width:33%; min-width:33%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td>
    <td class="gnw_hidden_cell hugin">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="10" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="6" style="border-top: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">GAAP income before income taxes</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,260</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,828</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">19,243</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">36,443</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">52,017</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss from fair value adjustments</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,124</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,956</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">170</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,160</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">537</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss on sale of securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Life insurance proceeds</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2,222</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(43</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(2,998</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net gain on sale of assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net losses from fair value adjustments on qualifying hedges</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,262</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">818</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,717</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Accelerated employee benefits upon Officer's death</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">149</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">455</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">149</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Merger expense</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">510</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">510</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core income before taxes</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,156</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,847</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">17,340</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">45,487</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">49,705</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Provision for income taxes for core income</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,312</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">3,771</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,010</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10,116</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9,565</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core net income</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,844</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,076</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,330</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35,371</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,140</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">GAAP diluted earnings per common share</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.37</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.61</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.99</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.48</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss from fair value adjustments, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.06</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.05</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.17</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.01</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net loss on sale of securities, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Life insurance proceeds</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(0.08</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(0.10</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net gain on sale of assets, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(0.02</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(0.02</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net losses from fair value adjustments on qualifying hedges, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.04</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.02</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.07</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Accelerated employee benefits upon Officer's death, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.01</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Merger expense, net of tax</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.01</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.01</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="border-top: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core diluted earnings per common share1</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.48</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.42</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.54</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.23</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1.39</td>
    <td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core net income, as calculated above</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">13,844</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">12,076</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,330</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">35,371</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,140</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Average assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,972,403</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,891,541</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,446,540</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,911,077</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,445,097</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Average equity</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">564,255</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">560,624</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">536,416</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">559,209</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">532,601</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core return on average assets2</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.79</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.70</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.95</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.68</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">0.83</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core return on average equity2</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">9.81</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.62</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">11.43</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">8.43</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">10.05</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td colspan="17" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td colspan="17" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">(1) Core diluted earnings per common share may not foot due to rounding.</td></tr>
<tr>
    <td colspan="17" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">(2) Ratios are calculated on an annualized basis.</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>RECONCILIATION OF GAAP NET INTEREST INCOME and NET INTEREST MARGIN</strong></td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>To CORE NET INTEREST INCOME and NET INTEREST MARGIN</strong></td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Dollars in thousands)</td></tr>
<tr>
    <td colspan="17" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="17" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="9" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Three Months Ended</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="6" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">Nine Months Ended</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">June 30,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:33%; width:33%; min-width:33%;;vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:9%; width:9%; min-width:9%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">GAAP net interest income</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,949</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,009</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,521</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">120,761</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126,770</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net losses from fair value adjustments on qualifying hedges</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,262</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">818</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,717</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core net interest income</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,211</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,827</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,521</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">123,478</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">126,770</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">GAAP interest income on total loans, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,825</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,273</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">59,658</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">187,428</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">171,997</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net losses from fair value adjustments on qualifying hedges</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,262</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">818</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,717</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Prepayment penalties received on loans</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,697</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,120</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,944</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(3,622</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4,308</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net recoveries of interest from non-accrual loans</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(292</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(519</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,066</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,525</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,480</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core interest income on total loans, net</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">62,098</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">61,452</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">56,648</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">184,998</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">166,209</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Average total loans, net</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,645,503</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,565,057</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,280,172</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,585,445</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">5,276,039</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core yield on total loans</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.40</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.42</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.29</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.42</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">4.20</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net interest income tax equivalent</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">39,097</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">40,134</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">41,747</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">121,159</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">127,451</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net losses from fair value adjustments on qualifying hedges</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,262</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">818</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2,717</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Prepayment penalties received on loans and securities</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,697</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,120</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,944</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(3,622</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(4,410</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net recoveries of interest from non-accrual loans</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(292</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(519</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,066</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,525</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(1,480</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Net interest income used in calculation of Core net interest margin</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,370</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">39,313</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">38,737</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">118,729</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">121,561</td>
    <td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total average interest-earning assets</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,589,498</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,540,134</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,130,422</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,550,509</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,136,887</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Core net interest margin</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.33</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.40</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.53</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.42</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">2.64</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr>
</table>

<p><br ></p>

<table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; ">
<tr>
    <td colspan="11" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong></td></tr>
<tr>
    <td colspan="11" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>CALCULATION OF TANGIBLE STOCKHOLDERS&#8217;</strong></td></tr>
<tr>
    <td colspan="11" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>COMMON EQUITY to TANGIBLE ASSETS</strong></td></tr>
<tr>
    <td colspan="11" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">(Unaudited)</td></tr>
<tr>
    <td colspan="11" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">December 31,</td>
    <td colspan="3" style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">September 30,</td></tr>
<tr>
    <td style="max-width:53%; width:53%; min-width:53%;;border-bottom: solid black 1pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; "><em>(Dollars in thousands)</em></td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2019</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="max-width:11%; width:11%; min-width:11%;;border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">2018</td>
    <td style="max-width:2%; width:2%; min-width:2%;;border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total Equity</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">568,392</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">549,464</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">541,756</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Less:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Goodwill</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Intangible deferred tax liabilities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">286</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">290</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">291</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Tangible Stockholders' Common Equity</td>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">552,551</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">533,627</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">525,920</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total Assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,110,895</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,834,176</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,539,543</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: bottom ; ">Less:</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td>
    <td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Goodwill</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">(16,127</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">)</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 15.0px; vertical-align: bottom ; ">Intangible deferred tax liabilities</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">286</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">290</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">291</td>
    <td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr>
<tr>
    <td style="vertical-align: middle;   text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">Tangible Assets</td>
    <td style="vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">7,095,054</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">6,818,339</td>
    <td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td>
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<p align="justify">&#160;<br ></p>

<p align="justify">__________________________________<br ></p>

<p align="justify"><sup>1</sup>&#160;See the tables entitled &#8220;Reconciliation of GAAP Earnings and Core Earnings&#8221; and
&#8220;Reconciliation of GAAP Net Interest Income and Net Interest Margin to Core Net Interest Income and Net Interest Margin.&#8221;</p>

<p align="justify"><br >Susan K. Cullen<br >Senior Executive Vice President, Treasurer and Chief Financial Officer<br >Flushing Financial Corporation<br >(718) 961-5400</p> </p>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>gnw-20190101_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
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<DOCUMENT>
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<SEQUENCE>7
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<span style="display: none;">v3.19.3</span><table class="report" border="0" cellspacing="2" id="idp6605714432">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Oct. 29, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 29,  2019<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-33013<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">FLUSHING FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000923139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">11-3209278<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">220 RXR Plaza<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Uniondale<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">11556<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">718<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">961-5400<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $0.01 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FFIC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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