	June 30, 2014
							Total Loans
			Past Due				> 90 Days Past
	30-59 Days	60-89 Days	90 Days	Total Past		Total Loans	Past Due and
	Past Due	Past Due	or Mores	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$--	$--	$--	$--	$39,505	$39,505	$--
Subdivision construction	--	--	304	304	36,323	36,627	--
Land development	1,017	--	303	1,320	62,117	63,437	--
Commercial construction	--	--	--	--	270,517	270,517	--
Owner occupied one- to four-
family residential	179	160	2,370	2,709	93,097	95,806	194
Non-owner occupied one- to
four-family residential	45	289	543	877	141,527	142,404	--
Commercial real estate	1,278	489	7,030	8,797	836,096	844,893	--
Other residential	--	--	--	--	342,969	342,969	--
Commercial business	184	225	214	624	329,985	330,608	--
Industrial revenue bonds	--	--	1,827	1,827	42,537	44,364	--
Consumer auto	1,105	186	151	1,442	204,693	206,135	--
Consumer other	1,655	197	581	2,433	77,480	79,913	142
Home equity lines of credit	177	84	339	600	59,084	59,684	--
FDIC-supported loans, net of
discounts (TeamBank)	120	8	421	549	16,337	16,886	--
Acquired non-covered loans,
net of discounts (TeamBank)	--	--	63	63	27,997	28,060	--
FDIC-supported loans, net of
discounts (Vantus Bank)	100	75	1,883	2,058	47,603	49,661	--
FDIC-supported loans,
net of discounts
(Sun Security Bank)	603	467	3,625	4,695	53,705	58,400	--
FDIC-supported loans,
net of discounts
(InterBank)	426	1,433	14,617	16,476	193,858	210,334	--
Acquired non-covered loans,
net of discounts
(Valley Bank)	5,807	2,607	7,254	15,668	144,028	159,696	331
	12,696	6,220	41,525	60,441	3,019,458	3,079,899	667
Less FDIC-supported loans,
and acquired non-covered
loans, net of discounts	7,056	4,590	27,863	39,509	483,528	523,037	330

Total	$5,640	$1,630	$13,662	$20,932	$2,535,930	$2,556,862	$336

	December 31, 2013
							Total Loans
			Past Due				> 90 Days Past
	30-59 Days	60-89 Days	90 Days	Total Past		Total Loans	Due and
	Past Due	Past Due	or More	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$--	$--	$--	$--	$34,662	$34,662	$--
Subdivision construction	--	--	871	871	39,538	40,409	--
Land development	145	38	338	521	57,320	57,841	--
Commercial construction	--	--	--	--	184,019	184,019	--
Owner occupied one- to four-
family residential	1,233	344	3,014	4,591	84,542	89,133	211
Non-owner occupied one- to
four-family residential	1,562	171	843	2,576	143,332	145,908	140
Commercial real estate	2,856	131	6,205	9,192	771,498	780,690	--
Other residential	--	--	--	--	325,599	325,599	--
Commercial business	17	19	5,208	5,244	310,025	315,269	--
Industrial revenue bonds	--	--	2,023	2,023	40,207	42,230	--
Consumer auto	955	127	168	1,250	133,467	134,717	--
Consumer other	1,258	333	732	2,323	79,937	82,260	257
Home equity lines of credit	168	16	504	688	57,595	58,283	--
FDIC-supported loans, net of
discounts (TeamBank)	414	130	1,396	1,940	47,922	49,862	6
FDIC-supported loans, net of
discounts (Vantus Bank)	675	31	2,356	3,062	54,858	57,920	42
FDIC-supported loans,
net of discounts
(Sun Security Bank)	510	121	4,241	4,872	59,971	64,843	147
FDIC-supported loans, net of
discounts (InterBank)	6,024	1,567	16,768	24,359	189,180	213,539	20
	15,817	3,028	44,667	63,512	2,613,672	2,677,184	823
Less FDIC-supported loans,
net of discounts	7,623	1,849	24,761	34,233	351,931	386,164	215

Total	$8,194	$1,179	$19,906	$29,279	$2,261,741	$2,291,020	$608

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

	June 30,	December 31,
	2014	2013

(In Thousands)
One- to four-family residential construction	$--	$--
Subdivision construction	304	871
Land development	303	338
Commercial construction	--	--
Owner occupied one- to four-family residential	2,176	2,803
Non-owner occupied one- to four-family residential	543	703
Commercial real estate	7,030	6,205
Other residential	--	--
Commercial business	2,041	5,208
Industrial revenue bonds	--	2,023
Consumer auto	151	168
Consumer other	439	475
Home equity lines of credit	339	504

Total	$13,326	$19,298

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2014. Also presented is 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, 2014:

	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, 2014	$4,638	$1,998	$18,443	$7,071	$2,341	$3,784	$38,275
Provision (benefit) charged to expense	915	(281)	(1,629)	1,110	979	368	1,462
Losses charged off	(505)	(2)	(338)	(95)	(738)	(764)	(2,442)
Recoveries	25	8	—	163	—	591	787
Balance June 30, 2014	$5,073	$1,723	$16,476	$8,249	$2,582	$3,979	$38,082

Balance January 1, 2014	$6,235	$2,678	$16,939	$4,464	$6,451	$3,349	$40,116
Provision (benefit) charged to expense	367	(968)	(134)	3,693	(1,182)	1,378	3,154
Losses charged off	(1,697)	(2)	(719)	(130)	(2,687)	(1,784)	(7,019)
Recoveries	168	15	390	222	—	1,036	1,831
Balance June 30, 2014	$5,073	$1,723	$16,476	$8,249	$2,582	$3,979	$38,082

Ending balance:
Individually evaluated for
impairment	$1,623	$—	$1,507	$1,531	$606	$231	$5,498
Collectively evaluated for
impairment	$3,450	$1,703	$14,625	$6,700	$1,966	$3,708	$32,152
Loans acquired and
accounted for under ASC
310-30	$—	$20	$344	$18	$10	$40	$432


Loans
Individually evaluated for
impairment	$11,560	$10,586	$30,744	$7,600	$5,834	$1,361	$67,685
Collectively evaluated for
impairment	$302,782	$332,383	$814,149	$326,354	$369,138	$344,371	$2,489,177
Loans acquired and
accounted for under ASC
310-30	$257,756	$61,905	$113,316	$19,819	$21,862	$48,379	$523,037

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:

	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 (benefit) 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

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, 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
Individually evaluated for
impairment	$2,501	$--	$90	$473	$4,162	$218	$7,444
Collectively evaluated for
impairment	$3,734	$2,678	$16,845	$3,991	$2,287	$3,131	$32,666
Loans acquired and
accounted for under ASC
310-30	$--	$--	$4	$--	$2	$--	$6

Loans
Individually evaluated for
impairment	$13,055	$10,983	$31,591	$12,628	$8,755	$1,389	$78,401
Collectively evaluated for
impairment	$297,057	$314,616	$791,329	$229,232	$306,514	$273,871	$2,212,619
Loans acquired and
accounted for under ASC
310-30	$206,964	$35,095	$84,591	$6,989	$4,883	$47,642	$386,164

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

A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.

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

	June 30, 2014
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$170	$170	$--
Subdivision construction	1,707	1,783	585
Land development	7,600	8,024	1,531
Commercial construction	--	--	--
Owner occupied one- to four-family residential	5,149	5,490	581
Non-owner occupied one- to four-family residential	4,534	4,680	457
Commercial real estate	30,744	33,200	1,507
Other residential	10,586	10,586	--
Commercial business	2,183	2,203	606
Industrial revenue bonds	3,651	4,585	--
Consumer auto	187	215	28
Consumer other	738	856	111
Home equity lines of credit	436	460	92

Total	$67,685	$72,252	$5,498

	Three Months Ended		Six Months Ended
	June 30, 2014		June 30, 2014
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$57	$3	$28	$3
Subdivision construction	2,310	8	2,720	30
Land development	10,937	42	11,779	143
Commercial construction	--	--	--	--
Owner occupied one- to four-family residential	5,101	60	5,318	112
Non-owner occupied one- to four-family residential	4,140	69	3,930	110
Commercial real estate	29,958	360	30,541	690
Other residential	10,734	120	10,845	210
Commercial business	1,847	47	2,904	68
Industrial revenue bonds	2,933	303	2,815	303
Consumer auto	160	5	166	7
Consumer other	714	24	696	42
Home equity lines of credit	441	--	484	14

Total	$69,332	$1,041	$72,226	$1,732

	At or for the Year Ended December 31, 2013

				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$--	$--	$--	$36	$--
Subdivision construction	3,502	3,531	1,659	3,315	163
Land development	12,628	13,042	473	13,389	560
Commercial construction	--	--	--	--	--
Owner occupied one- to four-family residential	5,802	6,117	593	5,101	251
Non-owner occupied one- to four-family residential	3,751	4,003	249	4,797	195
Commercial real estate	31,591	34,032	90	42,242	1,632
Other residential	10,983	10,983	--	13,837	434
Commercial business	6,057	6,077	4,162	6,821	179
Industrial revenue bonds	2,698	2,778	--	2,700	27
Consumer auto	216	231	32	145	16
Consumer other	604	700	91	630	63
Home equity lines of credit	569	706	95	391	38

Total	$78,401	$82,200	$7,444	$93,404	$3,558

	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

	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

At June 30, 2014, $24.5 million of impaired loans had specific valuation allowances totaling $5.5 million. At December 31, 2013, $18.0 million of impaired loans had specific valuation allowances totaling $7.4 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 tables present newly restructured loans during the three and six months ended June 30, 2014 by type of modification:

At June 30, 2014, the Company had $54.3 million of loans that were modified in troubled debt restructurings and impaired, as follows: $8.7 million of construction and land development loans, $15.8 million of single family and multi-family residential mortgage loans, $25.9 million of commercial real estate loans, $3.6 million of commercial business loans and $315,000 of consumer loans. Of the total troubled debt restructurings at June 30, 2014, $47.6 million were accruing interest and $20.5 million were classified as substandard using the Company’s internal grading system, which is described below. In addition, as part of the Valley Bank FDIC-assisted acquisition, the Company acquired $31.2 million of Valley Bank loans that are identified as troubled debt restructurings. As of June 30, 2014, the Valley Bank acquired loans that were considered modified in troubled debt restructurings were as follows: $2.0 million of construction and land development loans, $17.6 million of single family and multi-family residential mortgage loans, $10.8 million of commercial real estate loans, $510,000 of commercial business loans and $282,000 of consumer loans. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the six months ended June 30, 2014. 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, 2013, the Company had $10.9 million of construction and land development loans, $16.6 million of single family and multi-family residential mortgage loans, $24.8 million of commercial real estate loans, $1.5 million of commercial business loans and $310,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings of $54.1 million at December 31, 2013, $49.6 million were accruing interest and $22.1 million were classified as substandard using the Company’s internal grading system.

During the three and six months ended June 30, 2014, loans designated as troubled debt restructurings totaling $679,000 met the criteria for placement back on accrual status. The $679,000 was made up of $591,000 of residential mortgage loans and $88,000 of commercial real estate 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, 2014 and December 31, 2013, respectively. The acquired non-covered loans are also evaluated using this internal grading system. These loans are accounted for in pools and minimal adverse classification in the loan pools was identified as of June 30, 2014. 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, 2014
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$39,335	$--	$--	$170	$--	$39,505
Subdivision construction	35,191	21	--	1,415	--	36,627
Land development	52,361	5,000	--	6,076	--	63,437
Commercial construction	270,517	--	--	--	--	270,517
Owner occupied one- to four-
family residential	92,216	615	--	2,975	--	95,806
Non-owner occupied one- to four-
family residential	135,801	3,502	--	3,101	--	142,404
Commercial real estate	774,524	56,433	--	13,936	--	844,893
Other residential	326,992	14,021	--	1,956	--	342,969
Commercial business	328,874	471	--	1,263	--	330,608
Industrial revenue bonds	41,862	675	--	1,827	--	44,364
Consumer auto	205,955	--	--	180	--	206,135
Consumer other	79,337	4	--	572	--	79,913
Home equity lines of credit	59,248	--	--	436	--	59,684
FDIC-supported loans, net of
discounts (TeamBank)	16,866	--	--	20	--	16,886
Acquired non-covered loans,
net of discounts (TeamBank)	28,052	--	--	8	--	28,060
FDIC-supported loans, net of
discounts (Vantus Bank)	49,104	--	--	557	--	49,661
FDIC-supported loans, net of
discounts (Sun Security Bank)	57,768	--	--	632	--	58,400
FDIC-supported loans, net of
discounts (InterBank)	210,334	--	--	--	--	210,334
Acquired non-covered loans,
net of discounts (Valley Bank)	159,696	--	--	--	--	159,696

Total	$2,964,033	$80,742	$--	$35,124	$--	$3,079,899

		December 31, 2013
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$34,364	$298	$--	$--	$--	$34,662
Subdivision construction	36,524	706	--	3,179	--	40,409
Land development	45,606	1,148	--	11,087	--	57,841
Commercial construction	184,019	--	--	--	--	184,019
Owner occupied one- to four-
family residential	84,931	503	--	3,699	--	89,133
Non-owner occupied one- to four-
family residential	137,003	6,718	--	2,187	--	145,908
Commercial real estate	727,668	37,937	--	15,085	--	780,690
Other residential	311,320	12,323	--	1,956	--	325,599
Commercial business	307,540	1,803	--	3,528	2,398	315,269
Industrial revenue bonds	39,532	675	--	2,023	--	42,230
Consumer auto	134,516	--	--	201	--	134,717
Consumer other	81,769	6	--	485	--	82,260
Home equity lines of credit	57,713	--	--	570	--	58,283
FDIC-supported loans, net of
Discounts (TeamBank)	49,702	--	--	160	--	49,862
FDIC-supported loans, net of
discounts (Vantus Bank)	57,290	--	--	630	--	57,920
FDIC-supported loans, net of
discounts (Sun Security Bank)	63,360	--	--	1,483	--	64,843
FDIC-supported loans, net of
discounts (InterBank)	213,539	--	--	--	--	213,539

Total	$2,566,396	$62,117	$--	$46,273	$2,398	$2,677,184