	June 30, 2013
							Total Loans
	30-59 Days	60-89 Days	Over 90	Total Past		Total Loans	> 90 Days and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$--	$--	$--	$--	$37,447	$37,447	$--
Subdivision construction	183	--	1,289	1,472	34,163	35,635	--
Land development	818	--	243	1,061	62,696	63,756	--
Commercial construction	--	--	--	--	170,841	170,841	--
Owner occupied one- to four-
family residential	114	134	1,920	2,168	81,277	83,445	41
Non-owner occupied one- to
four-family residential	791	106	1,384	2,281	143,289	145,570	--
Commercial real estate	1,739	513	11,168	13,420	709,814	723,234	--
Other residential	--	--	--	--	259,800	259,800	--
Commercial business	107	31	7,801	7,939	271,282	279,220	--
Industrial revenue bonds	--	--	--	--	40,854	40,854	--
Consumer auto	568	117	66	751	103,464	104,215	--
Consumer other	991	379	644	2,014	81,760	83,774	265
Home equity lines of credit	387	61	185	633	53,576	54,209	--
FDIC-supported loans, net of
discounts (TeamBank)	536	315	4,758	5,609	54,102	59,711	--
FDIC-supported loans, net of
discounts (Vantus Bank)	864	811	3,004	4,679	71,701	76,380	--
FDIC-supported loans,
net of discounts
(Sun Security Bank)	999	361	9,865	11,225	64,331	75,556	--
FDIC-supported loans,
net of discounts
(InterBank)	2,916	1,749	20,891	25,556	205,012	230,568	--
	11,013	4,577	63,218	78,808	2,445,407	2,524,215	306
Less FDIC-supported loans,
net of discounts	5,315	3,236	38,518	47,069	395,146	442,215	--

Total	$5,698	$1,341	$24,700	$31,739	$2,050,261	$2,082,000	$306

	December 31, 2012
							Total Loans
	30-59 Days	60-89 Days	Over 90	Total Past		Total Loans	> 90 Days and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$178	$--	$--	$178	$28,893	$29,071	$--
Subdivision construction	478	--	3	481	35,324	35,805	--
Land development	--	--	2,471	2,471	60,088	62,559	--
Commercial construction	--	--	--	--	150,515	150,515	--
Owner occupied one- to four-
family residential	3,305	263	2,352	5,920	77,939	83,859	237
Non-owner occupied one- to
four-family residential	2,600	--	1,905	4,505	140,953	145,458	--
Commercial real estate	1,346	726	8,324	10,396	681,981	692,377	--
Other residential	3,741	--	--	3,741	263,777	267,518	--
Commercial business	2,094	153	4,139	6,386	258,245	264,631	--
Industrial revenue bonds	--	--	2,110	2,110	41,652	43,762	--
Consumer auto	690	73	120	883	81,727	82,610	26
Consumer other	1,522	242	834	2,598	81,217	83,815	449
Home equity lines of credit	185	146	220	551	53,674	54,225	--
FDIC-supported loans, net of
discounts (TeamBank)	1,608	2,077	8,020	11,705	65,910	77,615	173
FDIC-supported loans, net of
discounts (Vantus Bank)	1,545	669	5,641	7,855	87,628	95,483	--
FDIC-supported loans,
net of discounts
(Sun Security Bank)	1,539	384	21,342	23,265	68,254	91,519	1,274
FDIC-supported loans, net of
discounts (InterBank)	10,212	4,662	33,928	48,802	210,430	259,232	347
	31,043	9,395	91,409	131,847	2,388,207	2,520,054	2,506
Less FDIC-supported loans,
net of discounts	14,904	7,792	68,931	91,627	432,222	523,849	1,794

Total	$16,139	$1,603	$22,478	$40,220	$1,955,985	$1,996,205	$712

Nonaccruing loans (excluding FDIC-supported loans, net of discount) are summarized as follows:

	June 30,	December 31,
	2013	2012
	(In Thousands)

One- to four-family residential construction	$--	$--
Subdivision construction	1,289	3
Land development	243	2,471
Commercial construction	--	--
Owner occupied one- to four-family residential	1,879	2,115
Non-owner occupied one- to four-family residential	1,384	1,905
Commercial real estate	11,168	8,324
Other residential	--	--
Commercial business	7,801	6,249
Consumer auto	66	94
Consumer other	379	385
Home equity lines of credit	185	220

Total	$24,394	$21,766

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2013. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of June 30, 2013:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance April 1, 2013	$5,575	$4,482	$16,812	$5,130	$5,838	$2,711	$40,548
Provision (benefit) charged to expense	864	(329)	1,671	882	135	448	3,671
Losses charged off	(322)	(791)	(2,187)	(276)	(352)	(752)	(4,680)
Recoveries	8	11	123	53	43	408	646
Balance June 30, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185

Balance January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision charged to expense	526	1,702	5,262	2,122	1,870	414	11,896
Losses charged off	(1,240)	(2,686)	(6,530)	(329)	(1,370)	(1,669)	(13,824)
Recoveries	17	30	246	58	68	1,045	1,464
Balance June 30, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185

Ending balance:
Individually evaluated for
impairment	$2,042	$265	$2,420	$1,134	$3,373	$161	$9,395
Collectively evaluated for
impairment	$4,084	$3,108	$13,879	$4,652	$2,290	$2,653	$30,666
Loans acquired and
accounted for under ASC
310-30	$--	$--	$119	$2	$1	$2	$124

Loans
Individually evaluated for
impairment	$15,210	$11,598	$41,101	$15,610	$10,007	$1,004	$94,530
Collectively evaluated for
impairment	$286,887	$248,202	$722,986	$218,987	$269,213	$241,195	$1,987,470
Loans acquired and
accounted for under ASC
310-30	$251,122	$42,379	$101,446	$5,370	$9,409	$32,489	$442,215

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance April 1, 2012	$9,413	$4,023	$20,109	$3,155	$3,059	$1,773	$41,532
Provision charged to expense	598	2,924	3,191	8,689	680	1,518	17,600
Losses charged off	(2,135)	(3,252)	(7,795)	(5,132)	(512)	(727)	(19,553)
Recoveries	23	317	87	217	114	385	1,143
Balance June 30, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722

Balance January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision (benefit) charged to expense	(1,106)	3,857	9,316	13,298	1,246	1,066	27,677
Losses charged off	(2,494)	(3,252)	(12,205)	(9,592)	(1,053)	(962)	(29,558)
Recoveries	75	319	91	241	174	471	1,371
Balance June 30, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722

The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Individually evaluated for
impairment	$2,288	$1,089	$4,990	$96	$2,778	$156	$11,397
Collectively evaluated for
impairment	$4,532	$3,239	$12,443	$3,842	$2,315	$2,864	$29,235
Loans acquired and
accounted for under ASC
310-30	$1	$--	$9	$--	$4	$3	$17

Loans
Individually evaluated for
impairment	$14,691	$16,405	$48,476	$12,009	$10,064	$980	$102,625
Collectively evaluated for
impairment	$279,502	$251,113	$687,663	$201,065	$254,567	$219,670	$1,893,580
Loans acquired and
accounted for under ASC
310-30	$278,889	$53,280	$129,128	$7,997	$14,939	$39,616	$523,849

The portfolio segments used in the preceding two tables correspond to the loan classes used in all other tables in Note 7 as follows:

· The one-to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes

· The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes

· The commercial construction segment includes the land development and commercial construction classes

· The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes

Impaired loans (excluding FDIC-supported loans, net of discount) are summarized as follows:

	June 30, 2013
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$286	$286	$--
Subdivision construction	4,683	4,687	729
Land development	15,610	16,010	1,135
Commercial construction	--	--	--
Owner occupied one- to four-family residential	4,612	4,962	408
Non-owner occupied one- to four-family residential	5,629	5,778	905
Commercial real estate	41,102	43,490	2,420
Other residential	11,597	11,598	265
Commercial business	7,309	8,795	3,373
Industrial revenue bonds	2,698	2,778	--
Consumer auto	99	115	15
Consumer other	639	721	95
Home equity lines of credit	266	278	50

Total	$94,530	$99,498	$9,395

	June 30, 2012
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$687	$687	$251
Subdivision construction	3,810	5,486	262
Land development	19,233	20,710	3,842
Commercial construction	1,530	1,530	134
Owner occupied one- to four-family residential	4,856	5,309	488
Non-owner occupied one- to four-family residential	10,965	11,402	1,028
Commercial real estate	39,634	41,887	1,045
Other residential	17,335	18,600	246
Commercial business	3,447	4,365	517
Industrial revenue bonds	3,508	3,588	98
Consumer auto	158	180	25
Consumer other	669	774	99
Home equity lines of credit	90	98	23

Total	$105,922	$114,616	$8,058

	Three Months Ended		Six Months Ended
	June 30, 2013		June 30, 2013
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$95	$5	$48	$5
Subdivision construction	3,087	76	2,778	106
Land development	12,495	240	11,752	366
Commercial construction	--	--	--	--
Owner occupied one- to four-family residential	4,704	63	4,831	116
Non-owner occupied one- to four-family residential	4,662	100	5,251	161
Commercial real estate	46,102	364	46,164	740
Other residential	14,836	113	16,620	217
Commercial business	7,528	16	7,473	75
Industrial revenue bonds	2,702	14	2,703	14
Consumer auto	105	2	119	4
Consumer other	648	21	662	32
Home equity lines of credit	278	2	308	10

Total	$97,242	$1,016	$98,709	$1,846

	Three Months Ended		Six Months Ended
	June 30, 2012		June 30, 2012
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$687	$11	$801	$22
Subdivision construction	10,206	107	13,743	287
Land development	13,206	389	10,516	481
Commercial construction	510	35	255	35
Owner occupied one- to four-family residential	5,088	115	5,156	162
Non-owner occupied one- to four-family residential	11,579	293	11,087	454
Commercial real estate	38,718	988	45,031	1,524
Other residential	22,419	463	17,252	581
Commercial business	3,742	84	4,245	160
Industrial revenue bonds	3,508	--	3,042	--
Consumer auto	158	8	167	12
Consumer other	688	40	655	62
Home equity lines of credit	111	3	137	6

Total	$110,620	$2,536	$112,087	$3,786

	At or for the Year Ended December 31, 2012
	Recorded Balance	Unpaid Principal Balance	Specific Allowance	Average Investment in Impaired Loans	Interest Income Recognized
(In Thousands)
One- to four-family residential construction	$410	$410	$239	$679	$22
Subdivision construction	2,577	2,580	688	8,399	143
Land development	12,009	13,204	96	12,614	656
Commercial construction	--	--	--	383	--
Owner occupied one- to four-family residential	5,627	6,037	550	5,174	295
Non-owner occupied one- to four-family residential	6,077	6,290	811	10,045	330
Commercial real estate	48,476	49,779	4,990	45,181	2,176
Other residential	16,405	16,405	1,089	16,951	836
Commercial business	7,279	8,615	2,778	4,851	329
Industrial revenue bonds	2,785	2,865	--	3,034	5
Consumer auto	143	170	22	157	17
Consumer other	602	682	89	654	65
Home equity lines of credit	235	248	45	162	15

Total	$102,625	$107,285	$11,397	$108,284	$4,889

At June 30, 2013, $30.6 million of impaired loans had specific valuation allowances totaling $9.4 million. At December 31, 2012, $43.4 million of impaired loans had specific valuation allowances totaling $11.4 million.

Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach.

The following table presents newly restructured loans during the three and six months ended June 30, 2013 by type of modification:

At June 30, 2013, the Company had $46.7 million of loans that were modified in troubled debt restructurings and impaired, as follows: $5.1 million of construction and land development loans, $16.5 million of single family and multi-family residential mortgage loans, $22.9 million of commercial real estate loans, $1.8 million of commercial business loans and $269,000 of consumer loans. Of the total troubled debt restructurings at June 30, 2013, $43.1 million were accruing interest and $9.4 million were classified as substandard and $1.0 million were classified as doubtful using the Company’s internal grading system, which is described below. The Company had troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the six months ended June 30, 2013 of approximately $1.2 million, including three commercial real estate loans totaling $912,000, three non-owner occupied residential mortgage loan totaling $260,000, two consumer loans totaling $38,000, and one commercial business loan totaling $13,000. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2012, the Company had $2.8 million of construction loans, $15.0 million of single family and multi-family residential mortgage loans, $26.9 million of commercial real estate loans, $1.9 million of commercial business loans and $167,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings at December 31, 2012, $38.1 million were accruing interest and $14.6 million were classified as substandard and $1.0 million were classified as doubtful using the Company’s internal grading system.

During the three months ended June 30, 2013, borrowers with loans designated as troubled debt restructurings totaling $1.8 million met the criteria for placement back on accrual status. The $1.8 million was made up of $1.7 million of residential mortgage loans, $92,000 of commercial real estate loans and $4,000 of consumer loans. This criteria is a minimum of six months of payment performance under existing or modified terms.

During the six months ended June 30, 2013, borrowers with loans designated as troubled debt restructurings totaling $2.2 million met the criteria for placement back on accrual status. The $2.2 million was made up of $2.1 million of residential mortgage loans, $92,000 of commercial real estate loans and $4,000 of consumer loans.

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. These loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC. Minimal adverse classification in the loan pools was identified as of June 30, 2013 and December 31, 2012, respectively. See Note 8 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:

		June 30, 2013
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$37,447	$--	$--	$--	$--	$37,447
Subdivision construction	30,636	2,860	--	2,139	--	35,635
Land development	47,801	1,899	--	14,056	--	63,756
Commercial construction	170,841	--	--	--	--	170,841
Owner occupied one- to four-
family residential	80,571	499	--	2,375	--	83,445
Non-owner occupied one- to four-
family residential	138,080	3,420	--	4,070	--	145,570
Commercial real estate	666,427	33,319	--	23,488	--	723,234
Other residential	242,057	15,570	--	2,173	--	259,800
Commercial business	271,073	3,546	--	3,601	1,000	279,220
Industrial revenue bonds	38,156	675	--	2,023	--	40,854
Consumer auto	104,123	--	--	92	--	104,215
Consumer other	83,257	--	--	517	--	83,774
Home equity lines of credit	52,175	--	1,768	266	--	54,209
FDIC-supported loans, net of
Discounts (TeamBank)	59,707	--	--	4	--	59,711
FDIC-supported loans, net of
discounts (Vantus Bank)	76,311	--	--	69	--	76,380
FDIC-supported loans, net of
discounts (Sun Security Bank)	75,058	--	--	498	--	75,556
FDIC-supported loans, net of
discounts (InterBank)	230,568	--	--	--	--	230,568

Total	$2,404,288	$61,788	$1,768	$55,371	$1,000	$2,524,215

		December 31, 2012
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$28,662	$--	$--	$409	$--	$29,071
Subdivision construction	31,156	2,993	--	1,656	--	35,805
Land development	47,388	3,887	--	11,284	--	62,559
Commercial construction	150,515	--	--	--	--	150,515
Owner occupied one- to four-
family residential	79,411	792	--	3,656	--	83,859
Non-owner occupied one- to four-
family residential	132,073	7,884	--	5,501	--	145,458
Commercial real estate	619,387	42,753	--	30,237	--	692,377
Other residential	252,238	6,793	--	8,487	--	267,518
Commercial business	253,165	4,286	--	6,180	1,000	264,631
Industrial revenue bonds	40,977	675	--	2,110	--	43,762
Consumer auto	82,467	--	--	143	--	82,610
Consumer other	83,250	--	--	565	--	83,815
Home equity lines of credit	52,076	--	1,913	236	--	54,225
FDIC-supported loans, net of
Discounts (TeamBank)	77,568	--	--	47	--	77,615
FDIC-supported loans, net of
discounts (Vantus Bank)	95,281	--	--	202	--	95,483
FDIC-supported loans, net of
discounts (Sun Security Bank)	91,519	--	--	--	--	91,519
FDIC-supported loans, net of
discounts (InterBank)	259,210	--	--	22	--	259,232

Total	$2,376,343	$70,063	$1,913	$70,735	$1,000	$2,520,054