<SEC-DOCUMENT>0000927089-16-000804.txt : 20160422
<SEC-HEADER>0000927089-16-000804.hdr.sgml : 20160422
<ACCEPTANCE-DATETIME>20160422105818
ACCESSION NUMBER:		0000927089-16-000804
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20160420
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160422
DATE AS OF CHANGE:		20160422

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GREAT SOUTHERN BANCORP INC
		CENTRAL INDEX KEY:			0000854560
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				431524856
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-18082
		FILM NUMBER:		161585783

	BUSINESS ADDRESS:	
		STREET 1:		1451 E BATTLEFIELD
		CITY:			SPRINGFIELD
		STATE:			MO
		ZIP:			65804
		BUSINESS PHONE:		417-887-4400

	MAIL ADDRESS:	
		STREET 1:		P O BOX 9009
		CITY:			SPRINGFIELD
		STATE:			MO
		ZIP:			65808-9009
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<FILENAME>form8k.htm
<DESCRIPTION>FORM 8-K
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
 Washington, D.C. 20549</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: center">FORM 8-K</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">CURRENT REPORT</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">Pursuant to Section 13 or 15(d) of the<br>
 Securities Exchange Act of 1934</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">Date of Report (Date of earliest event reported)</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">April 20, 2016</div>

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<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">GREAT SOUTHERN BANCORP, INC. </font>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">(Exact name of Registrant as specified in its Charter)</div>

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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">Maryland </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px; TEXT-ALIGN: center">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">0-18082 </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 1%; PADDING-BOTTOM: 2px; TEXT-ALIGN: center">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">43-1524856 </td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; TEXT-ALIGN: center">(State or other jurisdiction of<br>
 incorporation)</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; TEXT-ALIGN: center">(Commission File No.)</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; TEXT-ALIGN: center">(IRS Employer Identification<br>
 Number)</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 50%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">1451 East Battlefield, Springfield, Missouri </td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 50%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">65804 </td>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">Registrant's telephone number, including area code:&#160;&#160;&#160;<font style="TEXT-DECORATION: underline">&#160;(417) 887-4400&#160; &#160;</font></div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center">(Former name or former address, if changed since last report)</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</div>

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<div>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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<div>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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<div>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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<div>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
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<div style="FONT-SIZE: 12pt; TEXT-DECORATION: underline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Item 2.02.&#160;&#160;Results of Operations and Financial Condition</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; On April 20, 2016, the Registrant issued a press release reporting preliminary financial results for the quarter ended March 31, 2016.&#160; A copy of the press release, including unaudited financial information released as a part thereof, is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.</div>

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<div style="FONT-SIZE: 12pt; TEXT-DECORATION: underline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Item 9.01.&#160;&#160;Financial Statements and Exhibits</div>

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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 8%">99.1</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Press release dated&#160;April 20, 2016<br>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURES</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">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 thereunto duly authorized.</div>

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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 56%; FONT-WEIGHT: bold; DISPLAY: inline">GREAT SOUTHERN BANCORP, INC.</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%">Date:</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%">April 22, 2016&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%; TEXT-ALIGN: center">By:</td>
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<div style="FONT-SIZE: 12pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman">/s/ Joseph W. Turner&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 53%">Joseph W. Turner, President&#160;</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%">&#160;</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 53%">and Chief Executive Officer&#160;</td>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: center">EXHIBIT INDEX</div>

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<td style="FONT-SIZE: 12pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; WIDTH: 15%; DISPLAY: inline">Exhibit No.</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 85%"><font style="FONT-SIZE: 12pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; DISPLAY: inline">Description</font><br>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 15%">99.1</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 85%">Press release dated&#160;April&#160;20, 2016</td>
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<DESCRIPTION>PRESS RELEASE
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<div style="TEXT-ALIGN: right">1</div>

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<div style="TEXT-ALIGN: center">&#160;</div>

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<div style="TEXT-ALIGN: left">April 20, 2016</div>
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<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; FOR IMMEDIATE RELEASE</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">CONTACT: Kelly Polonus, Great Southern, (417) 895-5242</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; COLOR: #0000ff; TEXT-ALIGN: left">kpolonus@greatsouthernbank.com</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Great Southern Bancorp, Inc. Reports Preliminary First Quarter Earnings of</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">$0.70 Per Diluted Common Share</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: left">Preliminary Financial Results and Other Matters for the Quarter Ended March 31, 2016:</div>

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<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Fifth Third Bank Acquisition:</u></font>&#160; On January 29, 2016, Great Southern Bank completed its previously announced acquisition of 12 St. Louis, Mo., area branches and related deposits and loans from Cincinnati-based Fifth Third Bank.&#160; Loans acquired totaled approximately $159 million and deposits assumed totaled approximately $228 million.</div>
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<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Loss Share:</u></font>&#160; Late in the first quarter of 2016, the Company agreed in principle with the FDIC to terminate the loss share agreements for Team Bank, Vantus Bank and Sun Security Bank.&#160; The terminations are expected to be finalized in April 2016.&#160; In anticipation of terminating the agreements, an impairment of the indemnification assets was recorded in the first quarter of 2016 in the amount of $584,000.</div>
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<div style="FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Significant Unusual Income or Expense Items:</u></font>&#160; During the three months ended March 31, 2016, the Company recorded the following unusual items in addition to the expense noted under "Loss Share" above:&#160; t<font style="COLOR: #000000">he Company sold two branch locations, including all deposits, at a combined gain of $367,000, which is included in the Consolidated Statements of Income under "Noninterest Income &#8211; Other income;"&#160; the Company recorded a $238,000 gain on the sale of fixed assets, which is included in the Consolidated Statements of Income under "Noninterest Income &#8211; Other income;"&#160; the Company made valuation write-downs on foreclosed assets of $407,000, which is included in the Consolidated Statements of Income under "Noninterest Expense &#8211; Expense on foreclosed assets;"&#160; and the Company incurred additional compensation, legal, conversion and other expenses totaling $1.3 million related to the acquisition of certain branches of Fifth Third Bank (see "Business Initiatives" below for further discussion).</font></div>
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<div style="FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Total Loans:</u></font>&#160; Total gross loans, excluding previously acquired covered and non-covered loans and mortgage loans held for sale, but including the loans acquired from Fifth Third Bank, increased $204.1 million, or 6.8%, from December 31, 2015, to March 31, 2016, primarily in the areas of one-to four-family residential loans, construction loans, consumer loans, commercial real estate loans, and commercial business loans. Net decreases in the FDIC-acquired loan portfolios totaled $18.5 million in the quarter ended March 31, 2016.</div>
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<div>
<table id="664cf92b0ed14199a42d69c48cb43862" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<div style="FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Net Interest Income: </u></font>Net interest income for the first quarter of 2016 decreased $3.0 million to $41.1 million compared to $44.1 million for the first quarter of 2015.&#160; Net interest income was $40.7 million for the fourth quarter of 2015.&#160; Net interest margin was 4.26% for the quarter ended March 31, 2016, compared to 4.82% for the first quarter of 2015 and 4.34% for the quarter ended December 31, 2015.&#160; The decrease in the margin from the prior year first quarter was primarily the result of prior year quarter significant interest recoveries, decreases in average loan yields and a reduction in the additional yield accretion recognized in conjunction with updated estimates of the fair value of the acquired loan pools compared to the prior year quarter, partially offset by increased total average loans.&#160; Increased average interest rates on deposits also contributed to lower net interest margin.&#160; The positive impact on net interest margin from the additional yield accretion on acquired loan pools that was recorded during the period was 56, 98 and 60 basis points for the quarters ended March 31, 2016, March 31, 2015, and December 31, 2015, respectively.&#160; For further discussion of the additional yield accretion of the discount on acquired loan pools, see "Net Interest Income."</div>
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<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">2</font></div>
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<table id="2140ae6ab13c4e8fb2b78bae0062ea0d" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<div style="FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
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<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Asset Quality:</u></font><font style="FONT-WEIGHT: bold">&#160; </font>Non-performing assets and potential problem loans, excluding those currently or previously covered by FDIC loss sharing agreements and those acquired in the FDIC-assisted transaction with Valley Bank, which are not covered by a loss sharing agreement but are accounted for and analyzed as loan pools rather than individual loans, totaled $57.8 million at March 31, 2016, an increase of $1.0 million from $56.8 million at December 31, 2015.&#160; Non-performing assets at March 31, 2016 were $43.0 million (1.00% of total assets), down $1.0 million from $44.0 million (1.07% of total assets) at December 31, 2015.</div>
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<div style="FONT-FAMILY: Times New Roman; TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
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<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><font style="FONT-WEIGHT: bold"><u>Capital:</u></font>&#160; The capital position of the Company continues to be strong, significantly exceeding the thresholds established by regulators. On a preliminary basis, as of March 31, 2016, the Company's Tier 1 Leverage Ratio was 9.9%, Common Equity Tier 1 Capital Ratio was 10.4%, Tier 1 Capital Ratio was 11.0%, and Total Capital Ratio was 12.0%.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Springfield, Mo. &#8211; Great Southern Bancorp, Inc. (NASDAQ:GSBC), the holding company for Great Southern Bank, today reported that preliminary earnings for the three months ended March 31, 2016, were $0.70 per diluted common share ($9.8 million available to common shareholders) compared to $0.83 per diluted common share ($11.5 million available to common shareholders) for the three months ended March 31, 2015.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">For the quarter ended March 31, 2016, annualized return on average common equity was 9.66%, annualized return on average assets was 0.93%, and net interest margin was 4.26%, compared to 12.63%, 1.14% and 4.82%, respectively, for the quarter ended March 31, 2015.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">President and CEO Joseph W. Turner commented, "We were pleased with our first quarter 2016 financial results, which were impacted by several business initiatives we completed.&#160; In January we completed the purchase of 12 branches and related deposits and certain loans from Fifth Third Bank in the St. Louis-area market, which more than doubled our banking center network and doubled our customer deposit base in this market. As we have discussed previously, we anticipate that this purchase will provide ongoing positive operating income benefits for the Company and will strengthen our retail banking position in the St. Louis market.&#160; Related to this purchase, non-recurring expenses totaling approximately $1.3 million were recorded in the first quarter. In addition to this, beginning in February 2016 we recorded non-cash expenses of approximately $53,000 per month to amortize the core deposit intangible asset recorded as part of the Fifth Third branch transaction.&#160; Other activities in the first quarter included the consolidation of 14 banking centers into other Great Southern offices and the sale of two banking centers and related deposits to separate purchasers. The Company also continued negotiations with the FDIC to exit loss sharing agreements related to the FDIC-assisted acquisitions of TeamBank, Vantus Bank and Sun Security Bank. In light of the negotiations, the Company recorded a non-cash impairment charge to related indemnification assets of nearly $600,000. In addition, we experienced higher levels of loan loss provision expense and ORE expenses than we have seen in recent quarters. These types of expenses can fluctuate from quarter to quarter depending on changes in and levels of problem assets."</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Turner continued, "Total loans, including the Fifth Third transaction and excluding acquired covered and non-covered loans and mortgage loans held for sale, increased $204.1 million from the end of 2015.&#160; During the quarter, loan production continued to be strong with loan pay-offs creating some headwinds. Classified assets increased $1.0 million since the end of 2015 as we remain focused on credit quality. Total net charge-offs were higher than recent quarters at $3.2 million for the quarter ended March 31, 2016, with four relationships making up $2.2 million of the total.&#160; These relationships, most of which date back 10 to 15 years with the Company, were previously included in problem assets, with reserves allocated to them at December 31, 2015, and are moving through the resolution process."&#160;&#160;</div>
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<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

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<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">3</font></div>
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<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: left">Selected Financial Data:</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;</div>

<table id="e03d93892c5b4d86908b739f95976ec2" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left">(In thousands, except per share data)</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM-COLOR: " valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months Ended</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Net interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">41,119</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">44,125</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; TEXT-INDENT: -10.8pt">Provision for loan losses</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2,101</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,300</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; TEXT-INDENT: -10.8pt">Non-interest income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,974</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(56</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; TEXT-INDENT: -10.8pt">Non-interest expense</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>30,920</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>27,242</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt">Provision for income taxes</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,279</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,874</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">9,793</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,653</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; TEXT-INDENT: -21.6pt">Net income available to common shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">9,793</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,508</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; TEXT-INDENT: -21.6pt">Earnings per diluted common share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.70</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.83</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>NET INTEREST INCOME</u></div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Net interest income for the first quarter of 2016 decreased $3.0 million to $41.1 million compared to $44.1 million for the first quarter of 2015.&#160; Net interest margin was 4.26% in the first quarter of 2016, compared to 4.82% in the same period of 2015, a decrease of 56 basis points.&#160; For the three months ended March 31, 2016, the net interest margin decreased eight basis points compared to the net interest margin of 4.34% in the three months ended December 31, 2015.&#160; The average interest rate spread was 4.16% for the three months ended March 31, 2016, compared to 4.73% for the three months ended March 31, 2015.&#160; For the three months ended March 31, 2016, the average interest rate spread decreased eight basis points compared to the average interest rate spread of 4.24% in the three months ended December 31, 2015.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">In the prior year first quarter, the Company collected $891,000 on certain acquired loans from customers with loans which had previously not been expected to be collectible.&#160; These collections were recorded as interest income in the March 31, 2015 quarter and had a positive impact on the net interest margin in the prior year quarter of approximately 10 basis points (annualized).&#160; As the loans were subject to loss sharing agreements, 80% of the amounts collected, or $713,000, was recorded as expense in the prior year quarter and included in non-interest income under "accretion (amortization) of income related to business acquisitions."</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The Company's net interest margin has been significantly impacted by additional yield accretion recognized in conjunction with updated estimates of the fair value of the loan pools acquired in the 2009, 2011 and 2012 FDIC-assisted transactions. On an on-going basis, the Company estimates the cash flows expected to be collected from the acquired loan pools. For each of the loan portfolios acquired, the cash flow estimates have increased, based on payment histories and reduced loss expectations of the loan pools. This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of the loan pools. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC, which are recorded as indemnification assets. Therefore, the expected indemnification assets have also been reduced each quarter since the fourth quarter of 2010, resulting in adjustments to be amortized on a comparable basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter.&#160; Additional estimated cash flows totaling approximately $750,000 were recorded in the quarter ended March 31, 2016, related to these loan pools, with a corresponding reduction in expected reimbursement from the FDIC.&#160;&#160; The effects of the 2014 FDIC-assisted transaction are discussed below.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">In addition, the Company's net interest margin has been impacted by additional yield accretion recognized in conjunction with updated estimates of the fair value of the loan pools acquired in the June 2014 Valley Bank FDIC-assisted transaction.&#160; Beginning with the quarter ended December 31, 2014, the cash flow estimates have increased for certain of the Valley Bank loan pools based on significant loan repayments and also due to collection of certain loans, thereby reducing loss expectations on certain of the loan pools. This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of these loan pools.&#160; The Valley Bank transaction did not include a loss sharing agreement with the FDIC.&#160; Therefore, there is no related indemnification asset. The entire amount of the discount adjustment has been and will be accreted to interest income over time with no offsetting impact to non-interest income.&#160; Additional estimated cash flows</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">4</font></div>
</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">totaling approximately $800,000 were recorded in the quarter ended March 31, 2016, related to the Valley Bank loan pools.&#160; The amount of the Valley Bank discount adjustment accreted to interest income for the three months ended March 31, 2016 was $2.1 million, and is included in the impact on net interest income/net interest margin amount in the table below.&#160; Based on current estimates, we anticipate recording additional interest income accretion of $3.6 million during the remainder of 2016 related to these Valley Bank loan pools.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The impact of these adjustments on the Company's financial results for the reporting periods presented is shown below:</div>

<div style="FONT-FAMILY: Arial"><br>
</div>

<table id="c10f011be0cb402b849629f4a319c27c" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months Ended</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31, 2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31, 2015</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="TEXT-ALIGN: center">(In thousands, except basis points data)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25.33%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.35pt; TEXT-INDENT: -13.35pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">Impact on net interest income/</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">net interest margin (in basis points)</font></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">5,382</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; WIDTH: 25.33%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; FONT-WEIGHT: normal; FONT-STYLE: normal" valign="bottom">
<div style="TEXT-ALIGN: left">56 bps</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">8,963</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; WIDTH: 25.33%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; FONT-WEIGHT: normal; FONT-STYLE: normal" valign="bottom">
<div style="TEXT-ALIGN: left">98 bps</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">Non-interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">(2,934</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">(6,679</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 14.4pt">Net impact to pre-tax income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,448</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,284</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 25.33%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
</tr>
</table>

<div style="FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Because these adjustments will continue to be recognized over the remaining lives of the loan pools and the remainder of the loss sharing agreements, respectively, they will impact future periods as well. The remaining accretable yield adjustment that will affect interest income is $11.4 million and the remaining adjustment to the indemnification assets, including the effects of the clawback liability related to InterBank, that will affect non-interest income (expense) is $(7.5) million. Of the remaining adjustment to non-interest income (expense) of $(7.5) million, $(1.9) million relates to Team Bank, Vantus Bank and Sun Security Bank, and $(5.6) million relates to InterBank.&#160; Of the remaining adjustments, we expect to recognize $7.5 million of interest income and $(4.9) million of non-interest income (expense) during the remainder of 2016.&#160; Of the remaining $(4.9) million of non-interest income (expense) that we expect to recognize during the remainder of 2016, $(823,000) relates to Team Bank, Vantus Bank and Sun Security Bank and $(4.1) million relates to InterBank.&#160; Additional adjustments may be recorded in future periods from the FDIC-assisted transactions, as the Company continues to evaluate its estimate of expected cash flows from the acquired loan pools.&#160; The remaining adjustment to the indemnification assets will be impacted by the anticipated termination of certain loss share agreements, if completed.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Excluding the impact of the additional yield accretion, net interest margin for the three months ended March 31, 2016 decreased 14 basis points when compared to the year-ago quarter.&#160; The decrease in net interest margin is primarily due to the prior year quarter interest recovery discussed above, as well as a decrease in the average interest rate on loans (primarily due to decreased interest income on loans acquired in FDIC-assisted transactions) and an increase in the average interest rate on deposits and other borrowings.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">For additional information on net interest income components, see the "Average Balances, Interest Rates and Yields" tables in this release.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>NON-INTEREST INCOME</u></div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">For the quarter ended March 31, 2016, non-interest income increased $5.0 million to $5.0 million when compared to the quarter ended March 31, 2015, primarily as a result of the following increases and decreases:</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div>
<table id="cd257d89d76348fa8c11d6f8bf92214f" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt">&#9679;</div>
</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left"><u>Amortization of income related to business acquisitions</u>:&#160; The net amortization expense related to business acquisitions was $3.3 million for the quarter ended March 31, 2016, compared to $6.9 million for the quarter ended March 31, 2015.&#160; The amortization expense for the quarter ended March 31, 2016, consisted of the following items:&#160; $2.3 million of amortization expense related to the changes in cash flows expected to be collected from the FDIC-covered loan portfolios, $584,000 of impairment to certain indemnification assets and $344,000 of amortization of the clawback liability.&#160; The impairment of the indemnification asset was recorded due to the expected loss on the FDIC loss share termination agreements discussed on page one above.&#160; Partially offsetting the expense was income from the accretion of the discount related to the indemnification assets for the Sun Security Bank and InterBank acquisitions of $231,000.</div>
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<div style="TEXT-ALIGN: left"><u>Other income</u>:&#160; Other income increased $718,000 compared to the prior year quarter.&#160; The increase was primarily due to a $257,000 gain recognized on the sale of the Thayer, Mo., branch and deposits during the 2016 quarter and a $110,000 gain recognized on the sale of the Buffalo, Mo., branch and deposits during the 2016 quarter.&#160; In addition, a gain of $238,000 was recognized on sales of fixed assets unrelated to the branch sales.</div>
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<div style="TEXT-ALIGN: left"><u>Service charges and ATM fees</u>:&#160; Service charges and ATM fees increased $635,000 compared to the prior year quarter, primarily due to the additional accounts acquired in the Fifth Third Bank transaction in January 2016, which had high levels of debit card activity.</div>
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<div style="TEXT-ALIGN: left"><u>Late charges and fees on loans</u>:&#160; Late charges and fees on loans increased $228,000 compared to the prior year quarter.&#160; The increase was primarily due to increased fees on loan payoffs compared to the prior year quarter.</div>
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<div style="TEXT-ALIGN: left"><u>Gains on sales of single-family loans:</u><font style="COLOR: #000000">&#160;</font>Gains on sales of single-family loans decreased $108,000 compared to the prior year quarter.&#160; This decrease was due to a decrease in originations of fixed-rate loans in the 2016 period compared to the 2015 period.&#160; Fixed rate single-family loans originated are generally subsequently sold in the secondary market.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>NON-INTEREST EXPENSE</u></div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial">For the quarter ended March 31, 2016, non-interest expense increased $3.7 million to $30.9 million when compared to the quarter ended March 31, 2015, primarily as a result of the following items:</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
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<div style="TEXT-ALIGN: left"><u>Fifth Third Bank branch acquisition expenses:</u><font style="COLOR: #000000">&#160; The Company incurred approximately $1.3 million of additional expenses during the quarter related to the acquisition of certain branches of Fifth Third Bank.&#160; Those</font> expenses included approximately $119,000 of compensation expense, approximately $319,000 of legal, audit and other professional fees expense, approximately $279,000 of computer license and support expense, approximately $436,000 in charges to replace former Fifth Third Bank customer checks with Great Southern Bank checks, and approximately $76,000 of travel, meals and other expenses related to the transaction and similar costs incurred during the quarter.</div>
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<div style="TEXT-ALIGN: left"><u>Salaries and employee benefits</u>:&#160; Salaries and employee benefits increased $786,000 over the prior year quarter.&#160; $119,000 of the increase was net salary and retention bonus and other compensation expenses paid as part of the Fifth Third branch acquisition.&#160; In addition, salaries increased due to the additional employee costs related to the acquired branches, which is partially offset by the previously announced closure or sale of 16 banking centers.&#160; The remaining increase is due to increased staffing due to growth in lending and other operational areas.</div>
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<div style="TEXT-ALIGN: left"><u>Net occupancy expense:</u>&#160; Net occupancy expense increased $788,000 in the quarter ended March 31, 2016 compared to the same quarter in 2015.&#160; Expenses as part of the Fifth Third banking centers accounted for $279,000 of the increase.&#160; In addition, the Company had increased computer license and support costs of $247,000 in the current year quarter.&#160; The remainder of the increase was approximately $175,000 of additional repair and maintenance expenses and increased depreciation expense.</div>
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<div style="TEXT-ALIGN: left"><u>Expense on foreclosed assets:</u>&#160; Expense on foreclosed assets increased $526,000 compared to the prior year quarter primarily due to valuation write-downs of foreclosed assets during the 2016 quarter totaling approximately $407,000 primarily on two properties, and other expenses related to the maintenance and resolution of foreclosed properties.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The Company's efficiency ratio for the quarter ended March 31, 2016, was 67.08% compared to 61.82% for the same quarter in 2015.&#160; The increase in the ratio in the 2016 three month period was primarily due to the increase in non-interest expense and the decrease in net interest income, partially offset by the increase in non-interest income.&#160; The Company's ratio of non-interest expense to average assets increased from 2.67% for the three months ended March 31, 2015, to 2.93% for the three months ended March 31, 2016.&#160; The increase in the current three month period ratio was due to the increase in non-interest expense, partially offset by the increase in average assets in the 2016 period compared to the 2015 period.&#160; Average assets for the quarter ended March 31, 2016, increased $151.7 million, or 3.7%, from the quarter ended March 31, 2015, primarily due to assets acquired in the Fifth Third Bank transaction and organic loan growth, partially offset by decreases in investment securities and other interest-earning assets.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>INCOME TAXES</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">For the three months ended March 31, 2016 and 2015, the Company's effective tax rate was 25.1% and 25.0%, respectively, which was lower than the statutory federal tax rate of 35%, due primarily to the utilization of certain investment tax credits and to tax-exempt investments and tax-exempt loans which reduced the Company's effective tax rate.&#160; In future periods, the Company expects its effective tax rate typically will be 24-26% of pre-tax net income, assuming it continues to maintain or increase its use of investment tax credits.&#160;The Company's effective tax rate may fluctuate as it is impacted by the level and timing of the Company's utilization of tax credits and the level of tax-exempt investments and loans and the overall level of pretax income.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>CAPITAL</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">As of March 31, 2016, total stockholders' equity and common stockholders' equity were $405.2 million (9.4% of total assets), equivalent to a book value of $29.17 per common share.&#160; Total stockholders' equity and common stockholders' equity at December 31, 2015, were $398.2 million (9.7% of total assets), equivalent to a book value of $28.67 per common share.&#160; At March 31, 2016, the Company's tangible common equity to total assets ratio was 9.1%, compared to 9.6% at December 31, 2015.&#160; The tangible common equity to total risk-weighted assets ratio was 10.3% and 10.9% at March 31, 2016, and December 31, 2015, respectively.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">On a preliminary basis, as of March 31, 2016, the Company's Tier 1 Leverage Ratio was 9.9%, Common Equity Tier 1 Capital Ratio was 10.4%, Tier 1 Capital Ratio was 11.0%, and Total Capital Ratio was 12.0%.&#160; On March 31, 2016, and on a preliminary basis, the Bank's Tier 1 Leverage Ratio was 9.5%, Common Equity Tier 1 Capital Ratio was 10.5%, Tier 1 Capital Ratio was 10.5%, and Total Capital Ratio was 11.5%.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>PROVISION FOR LOAN LOSSES AND ALLOWANCE FOR LOAN LOSSES</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><font style="COLOR: #000000">Management records a provision for loan losses in an amount it believes sufficient to result in an allowance for loan losses that will cover current net charge-offs as well as risks believed to be inherent in the loan portfolio of the Bank. The amount of provision charged against current income is based on several factors, including, but not limited to, past loss experience, current portfolio mix, actual and potential losses identified in the loan portfolio, economic conditions, and internal as well as external reviews.&#160; H</font>owever, the levels of non-performing assets, potential problem loans, loan loss provisions and net charge-offs fluctuate from period to period and are difficult to predict.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left">Weak economic conditions, higher inflation or interest rates, or other factors may lead to increased losses in the portfolio and/or requirements for an increase in loan loss provision expense. Management maintains various controls in an attempt to limit future losses, such as a watch list of possible problem loans, documented loan administration policies and a loan review staff to review the quality and anticipated collectability of the portfolio. Additional procedures provide for frequent management review of the loan portfolio based on loan size, loan type, delinquencies, on-going correspondence with borrowers and problem loan work-outs. Management determines which loans are potentially uncollectible, or represent a greater risk of loss, and makes additional provisions to expense, if necessary, to maintain the allowance at a satisfactory level.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><font style="COLOR: #000000">The provision for loan losses for the quarter ended March 31, 2016, increased $801,000 to $2.1 million when compared with the quarter ended March 31, 2015.&#160; At March 31, 2016, the allowance for loan losses was $37.0 million, a decrease of $1.1 million from December 31, 2015.&#160; Total net charge-offs were $3.2 million and $664,000 for the quarters ended March 31, 2016 and 2015, respectively.</font>&#160; Four relationships make up $2.2 million of the net charge-off total for the quarter ended March 31, 2016, and such amount was substantially provided for in the allowance for loan losses at December 31, 2015.&#160; <font style="COLOR: #000000">General market conditions and unique circumstances related to individual borrowers and projects contributed to the level of provisions and charge-offs.&#160; As properties were categorized as potential problem loans, non-performing loans or foreclosed assets, evaluations were made of the values of these assets with corresponding charge-offs as appropriate.</font></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left">The Bank's allowance for loan losses as a percentage of total loans, excluding loans covered by the FDIC loss sharing agreements, was 1.10% and 1.20% at March 31, 2016 and December 31, 2015, respectively. Management considers the allowance for loan losses adequate to cover losses inherent in the Company's loan</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left">portfolio at March 31, 2016, based on recent reviews of the Company's loan portfolio and current economic conditions. If economic conditions were to deteriorate or management's assessment of the loan portfolio were to change, it is possible that additional loan loss provisions would be required, thereby adversely affecting future results of operations and financial condition.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left"><u>ASSET QUALITY</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Former TeamBank, Vantus Bank, Sun Security Bank and InterBank non-performing assets, including foreclosed assets, and potential problem loans are not included in the totals or in the discussion of non-performing loans, potential problem loans and foreclosed assets below as they are, or were, subject to loss sharing agreements with the FDIC, which cover at least 80% of principal losses that may be incurred in these portfolios for the applicable terms under the agreements.&#160; At March 31, 2016, there were no material non-performing assets or potential problem loans that were previously covered, and are now not covered, under the TeamBank or Vantus Bank non-single-family loss sharing agreements.&#160; In addition, FDIC-supported TeamBank, Vantus Bank, Sun Security Bank and InterBank assets were initially recorded at their estimated fair values as of their acquisition dates of March 20, 2009, September 4, 2009, October 7, 2011, and April 27, 2012, respectively.&#160; The overall performance of the FDIC-covered loan pools acquired in 2009, 2011 and 2012 has been better than original expectations as of the acquisition dates.&#160; Former Valley Bank loans are also excluded from the totals and the discussion of non-performing loans, potential problem loans and foreclosed assets below, although they are not covered by a loss sharing agreement.&#160; Former Valley Bank loans are accounted for in pools and were recorded at their fair value at the time of the acquisition as of June 20, 2014; therefore, these loan pools are analyzed rather than the individual loans.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The loss sharing agreement for the non-single-family portion of the loans acquired in the TeamBank transaction ended on March 31, 2014.&#160; Any additional losses in that non-single-family portfolio are not eligible for loss sharing coverage. At this time, the Company does not expect any material losses in this non-single-family loan portfolio, which totaled $15.3 million, net of discounts, at March 31, 2016.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The loss sharing agreement for the non-single-family portion of the loans acquired in the Vantus Bank transaction ended on September 30, 2014.&#160; Any additional losses in that non-single-family portfolio are not eligible for loss sharing coverage.&#160; At this time, the Company does not expect any material losses in this non-single-family loan portfolio, which totaled $16.4 million, net of discounts, at March 31, 2016.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">As a result of changes in balances and composition of the loan portfolio, changes in economic and market conditions that occur from time to time and other factors specific to a borrower's circumstances, the level of non-performing assets will fluctuate.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Non-performing assets, excluding FDIC-covered non-performing assets and other FDIC-assisted acquired assets, at March 31, 2016, were $43.0 million, a decrease of $963,000 from $44.0 million at December 31, 2015.&#160; Non-performing assets, excluding FDIC-covered non-performing assets and other FDIC-assisted acquired assets, as a percentage of total assets were 1.00% at March 31, 2016, compared to 1.07% at December 31, 2015.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Compared to December 31, 2015, non-performing loans decreased $3.3 million to $13.3 million at March 31, 2016, and foreclosed assets increased $2.2 million to $29.6 million at March 31, 2016.&#160; Non-performing commercial real estate loans comprised $9.8 million, or 73.3%, of the total of $13.3 million of non-performing loans at March 31, 2016, a decrease of $ 3.7 million from December 31, 2015.&#160; The majority of the decrease in the commercial real estate category was due to relationships which were transferred to foreclosed assets and relationships which were charged down.&#160; These relationships are discussed below.&#160; Non-performing one-to four-family residential loans comprised $1.6 million, or 11.7%, of the total non-performing loans at March 31, 2016, an increase of $208,000 from December 31, 2015.&#160; Non-performing consumer loans increased $277,000 in the three months ended March 31, 2016, and were $1.6 million, or 11.8%, of total non-performing loans at March 31, 2016.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Compared to December 31, 2015, potential problem loans increased $2.0 million to $14.8 million at March 31, 2016.&#160; This increase was due to the addition of $3.7 million of loans to potential problem loans, partially offset</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">by $1.2 million in loans transferred to non-performing loans, $382,000 in charge-offs, $80,000 in loans removed from potential problem loans and $48,000 in payments.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Activity in the non-performing loans category during the quarter ended March 31, 2016, was as follows:</div>

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<table id="66da061775b8408f94578c4aa80ab36a" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Beginning </div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Balance,</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">January 1</div>
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<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Additions to </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Non-</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Performing</div>
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<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Removed</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;from Non-</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Performing</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Transfers</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">to Potential </div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Problem </div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Loans</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Transfers to Foreclosed</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Assets</div>
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<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Charge-Offs</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Payments</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Ending </div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">Balance,</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">March 31</font></div>
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<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="30">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">(In thousands)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 13px">
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One- to four-family construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Subdivision construction</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>143</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>143</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Land development</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>139</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(30</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(3</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>106</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial construction</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,357</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>454</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(18</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(44</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(33</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(97</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(54</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,565</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Other residential</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial real estate</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>13,488</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,674</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(3,466</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(1,917</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>9,779</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial business</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>288</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(78</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(29</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>181</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">Consumer</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>1,297</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>962</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(37</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(13</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(127</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(161</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(347</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>1,574</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 14.4pt">Total</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>16,569</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>3,233</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(55</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(135</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(3,626</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(2,205</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">(433</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>13,348</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">At March 31, 2016, the non-performing commercial real estate category included nine loans, two of which were added during the current period, and are part of the one relationship which was transferred from potential problem loans.&#160; The largest relationship in this category, which was transferred from potential problem loans to non-performing loans during the quarter ended December 31, 2015, totaled $6.5 million, or 66.5% of the total category, and is collateralized by three operating long-term health care facilities in Missouri.&#160; A receiver was appointed to manage and stabilize the facilities.&#160; Approximately $600,000 in charge-offs were taken on this relationship during the quarter.&#160; During the period, $3.1 million of the transfers to foreclosed assets in the commercial real estate category and approximately $670,000 of the charge-offs were related to one relationship.&#160; The property is in the Branson, Mo., area, and includes a lakefront resort, marina and related amenities, condominiums and lots.&#160; The non-performing one- to four-family residential category included 31 loans, 12 of which were added during the current quarter.&#160; The non-performing consumer category included 122 loans, 80 of which were added during the current quarter.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Activity in the potential problem loans category during the quarter ended March 31, 2016, was as follows:</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<table id="78896c70a81d4c4a9513cefb151bf694" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Beginning</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Balance,</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">January 1</div>
</td>
<td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Additions to </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Potential </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Problem</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Removed</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">from </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Potential </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Problem</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Transfers to</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Non-</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Performing</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Transfers to Foreclosed</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Assets</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Charge-Offs</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Payments</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Ending</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">Balance,</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">March 31</font></div>
</td>
<td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="26">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">(In thousands)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One- to four-family construction</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Subdivision construction</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>576</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(143</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(4</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>429</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Land development</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,842</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,842</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial construction</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>844</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(60</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(8</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>776</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Other residential</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,956</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(24</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,932</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial real estate</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,286</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,524</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(1,011</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(382</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(6</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>7,411</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial business</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>181</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>78</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>(80</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>(6</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>173</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Consumer</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">134</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">86</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">(2</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">)</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial">218</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 14.4pt">Total</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">12,819</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">3,688</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">(80</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(1,216</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">&#8212;</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">(382</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">)</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">(48</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">)</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-FAMILY: 'Times New Roman', Times, serif">14,781</div>
</td>
<td style="FONT-SIZE: 8pt; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 20%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">At March 31, 2016, the commercial real estate category of potential problem loans included 10 loans, two of which were added during the current quarter.&#160; The largest relationship in this category, which was made up of five new loans which were added during the quarter ended December 31, 2015, had a balance of $2.9 million, or 39.8% of the total category, and is collateralized by various properties in the Branson Mo., area, including commercial buildings, commercial land, residential lots and undeveloped land with clubhouse and amenities and entertainment attractions.&#160; The second largest relationship in this category, which was added during the</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">9</font></div>
</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">current quarter, totaled $2.2 million, or 30.0% of the category, and is collateralized by a hotel located in the western United States.&#160; The charge-offs and the transfers to non-performing in the commercial real estate category were related to one relationship, which was discussed above in the non-performing loans section.&#160; The land development category of potential problem loans included one loan, which was added during a previous period and is collateralized by property in the Branson, Mo., area.&#160; The other residential category of potential problem loans included one loan which was added in a previous period, and is collateralized by properties located in the Branson, Mo., area.&#160; This loan was also to the same borrower that was referenced above in the land development category.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Activity in foreclosed assets, excluding $1.9 million in foreclosed assets covered by FDIC loss sharing agreements, $417,000 in foreclosed assets previously covered by FDIC loss sharing agreements, $1.1 million in foreclosed assets related to Valley Bank and not covered by loss sharing agreements, $19,000 of other assets related to acquired loans and $6.5 million in properties which were not acquired through foreclosure, during the quarter ended March 31, 2016, was as follows:</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<table id="96944bbd37eb4640ad1e9bcbbe982c81" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Beginning</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Balance,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">January 1</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Additions</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">ORE Sales</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Capitalized</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Costs</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">ORE Write-</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Downs</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Ending </div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">Balance,</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">March 31</font></div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="22">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">(In thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 14px">
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One-to four-family construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Subdivision construction</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>7,016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(195</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,821</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Land development</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>12,133</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(656</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>11,477</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial construction</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,375</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>33</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(2</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,406</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Other residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2,150</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(188</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,962</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial real estate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,608</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,296</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(370</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,534</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Commercial business</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; TEXT-INDENT: -7.2pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,109</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,025</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>(1,648</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">(37</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,449</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 14.4pt">Total</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">27,391</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">5,354</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>(2,689</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">(407</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">29,649</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 28%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">At March 31, 2016, the land development category of foreclosed assets included 26 properties, the largest of which was located in northwest Arkansas and had a balance of $1.4 million, or 12.0% of the total category.&#160; Of the total dollar amount in the land development category of foreclosed assets, 32.9% and 37.1% was located in northwest Arkansas and in the Branson, Mo., area, respectively, including the largest property previously mentioned.&#160; The subdivision construction category of foreclosed assets included 25 properties, the largest of which was located in the Springfield, Mo. metropolitan area and had a balance of $1.2 million, or 18.1% of the total category.&#160; Of the total dollar amount in the subdivision construction category of foreclosed assets, 30.3% and 18.1% is located in Branson, Mo. and Springfield, Mo., respectively.&#160; The commercial real estate category of foreclosed assets included 10 properties, two of which were added during the quarter.&#160; The largest property in the commercial real estate category of foreclosed assets, which was added during the current quarter, totaled $2.9 million, or 44.4% of the total category.&#160; This property is in the Branson, Mo., area, and includes a lakefront resort, marina and related amenities, condominiums and lots, and was included in non-performing loans at December 31, 2015.&#160; The second largest property in the commercial real estate category of foreclosed assets, which was located in southeast Missouri and was added during the quarter ended March 31, 2015, totaled $2.0 million, or 30.9% of the total category.&#160; The other residential category of foreclosed assets included 10 properties, nine of which were part of the same condominium community, located in Branson, Mo. and had a balance of $1.6 million, or 82.2% of the total category.&#160; The one-to four-family residential category of foreclosed assets included eight properties, of which the largest relationship, with two properties in the Southwest Missouri area, had a balance of $554,000, or 39.4% of the total category.&#160; Of the total dollar amount in the one-to- four-family category of foreclosed assets, 37.3% is located in Branson, Mo.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
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<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left"><u>BUSINESS INITIATIVES</u></div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">On January 29, 2016, Great Southern completed the acquisition of 12 branches and related deposits and loans from Cincinnati-based Fifth Third Bank in the St. Louis market area. This acquisition increased Great Southern's St. Louis-area banking center total from eight to 20 offices.&#160; At the January closing date, the acquisition represented approximately $228 million in deposits and $159 million in loans.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Also in January 2016, the Company consolidated operations of 14 banking centers into other nearby Great Southern banking center locations. These 14 banking centers were identified as part of an ongoing performance review of the Company's entire banking center network. Each location was evaluated for a number of criteria, including customer usage, financial performance market dynamics and the proximity of other Great Southern banking centers. The consolidation of the 14 facilities resulted in the transfer of approximately $127 million in deposits. Great Southern ATMs remain operational indefinitely at each of the 14 affected banking center sites.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Two banking centers, along with associated customer deposits, were sold to separate financial institutions during the first quarter of 2016.&#160; The Great Southern banking center located in Thayer, Mo., was sold on February 19, 2016, and the office in Buffalo, Mo., was sold on March 18, 2016.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">Great Southern Bancorp, Inc. will hold its 27th Annual Meeting of Shareholders at 10:00 a.m. CDT on Wednesday, May 4, 2016, at the Great Southern Operations Center, 218 S. Glenstone, Springfield, Mo. Holders of Great Southern Bancorp, Inc. common stock at the close of business on the record date, February 26, 2016, can vote at the annual meeting, either in person or by proxy.</div>

<div style="BACKGROUND-COLOR: #ffffff">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="MARGIN-BOTTOM: 7.5pt; FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-TOP: 12pt">Headquartered in Springfield, Mo., Great Southern offers a broad range of banking services to customers. The Company operates 106 retail banking centers and more than 200 ATMs in Missouri, Arkansas, Iowa, Kansas, Minnesota and Nebraska and loan offices in Tulsa, Okla., and Dallas, Texas. The common stock of Great Southern Bancorp, Inc. is listed on the Nasdaq Global Select Market under the symbol "GSBC."</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>
</div>

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</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; FONT-WEIGHT: bold; COLOR: #0000ff; FONT-STYLE: italic; TEXT-ALIGN: left"><u>www.GreatSouthernBank.com</u></div>

<div style="FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: left">Forward-Looking Statements</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left">When used in this press release and documents filed or furnished by the Company with the Securities and Exchange Commission (the "SEC"), in the Company's other press releases or other public or stockholder communications, and in oral statements made with the approval of an authorized executive officer, the words or phrases "will likely result," "are expected to," "will continue," "is anticipated," "estimate," "project," "intends" or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties, including, among other things, (i) non-interest expense reductions from Great Southern's banking center consolidations might be less than anticipated and the costs of the consolidation and impairment of the value of the affected premises might be greater than expected; (ii) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Fifth Third Bank branch acquisition and the Company's other merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (iii) changes in economic conditions, either nationally or in the Company's market areas; (iv) fluctuations in interest rates; (v) the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; (vi) the possibility of other-than-temporary impairments of securities held in the Company's securities portfolio; (vii) the Company's ability to access cost-effective funding; (viii) fluctuations in real estate values and both residential and commercial real estate market conditions; (ix) demand for loans and deposits in the Company's market areas; (x) legislative or regulatory changes that adversely affect the Company's business, including, without limitation, the Dodd-Frank Wall Street Reform and Consumer Protection Act and its implementing regulations, and the overdraft protection regulations and customers' responses thereto; (xi) monetary and fiscal policies of the Federal Reserve Board and the U.S. Government and other governmental initiatives affecting the financial services industry; (xii) results of examinations of the Company and Great Southern by their regulators, including the possibility that the regulators may, among other things, require the Company to increase its allowance for loan losses or to write-down assets; (xiii) costs and effects of litigation, including settlements and judgments; and (xiv) competition. The Company wishes to advise readers that the factors listed above and other risks described from time to time in documents filed or furnished by the Company with the SEC could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: #000000; TEXT-ALIGN: left">The Company does not undertake-and specifically declines any obligation- to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.</div>

<div><br>
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<div>&#160;</div>

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</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">11</font></div>
</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The following tables set forth certain selected consolidated financial information of the Company at and for the periods indicated.&#160; Financial data for all periods is unaudited.&#160; In the opinion of management, all adjustments, which consist only of normal recurring accruals, necessary for a fair presentation of the results for and at such unaudited periods have been included.&#160; The results of operations and other data for the three months ended March 31, 2016 and 2015, and the three months ended December 31, 2015, are not necessarily indicative of the results of operations which may be expected for any future period.</div>

<div style="FONT-FAMILY: Arial"><br>
</div>

<table id="7d6784fa7523434ca6611dc00e60392a" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">&#160;Selected Financial Condition Data:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center">(In thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,314,644</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,104,189</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Loans receivable, gross</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,567,815</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,382,213</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Allowance for loan losses</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>37,026</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>38,149</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Other real estate owned, net</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>39,528</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>31,893</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Available-for-sale securities, at fair value</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>249,546</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>262,856</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,468,699</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,268,626</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total borrowings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>408,670</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>406,797</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total common stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>405,223</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>398,227</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: top" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Non-performing assets (excluding FDIC-assisted transaction assets)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>42,997</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>43,960</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="MARGIN-BOTTOM: 0.95pt; FONT-SIZE: 9pt; FONT-FAMILY: Arial"><br>
</div>

<table id="5d2785460e5e4d11911c98923e37b6c9" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">Selected Operating Data:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center">(In thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">45,746</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">47,906</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">44,956</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Interest expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">4,627</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,781</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">4,261</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Net interest income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>41,119</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>44,125</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>40,695</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Provision for loan losses</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2,101</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,300</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,216</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-interest income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,974</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(56</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,060</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-interest expense</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>30,920</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>27,242</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>29,145</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Provision for income taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,279</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,874</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,744</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -23.4pt">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">9,793</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,653</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,650</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -23.4pt">Net income available to</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -23.4pt">&#160;&#160;&#160;&#160;&#160;common shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">9,793</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,508</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,531</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="MARGIN-BOTTOM: 0.95pt; FONT-SIZE: 9pt; FONT-FAMILY: Arial"><br>
</div>

<table id="d3f6430828f642b49f068a5d058340a2" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">At or For the Three</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Months Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">At or For the </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">Per Common Share:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="10">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Net income (fully diluted)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.70</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.83</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.82</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 5px">
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Book value</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">29.17</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">26.93</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">28.67</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">Earnings Performance Ratios:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Annualized return on average assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.93</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.14</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.15</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54.7pt; TEXT-INDENT: -41.75pt">Annualized return on average</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54.7pt; TEXT-INDENT: -41.75pt">&#160;&#160;&#160;&#160;&#160;&#160;common stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>9.66</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>12.63</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>11.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Net interest margin</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.26</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.82</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.34</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Average interest rate spread</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.73</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.24</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Efficiency ratio</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>67.08</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>61.82</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>63.70</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-interest expense to average total assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.93</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.87</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="12">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="12">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: justify">Asset Quality Ratios:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Allowance for loan losses to period-end loans</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">&#160;&#160;&#160;&#160;&#160;&#160;(excluding covered loans)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.10</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.31</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.20</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; TEXT-INDENT: -41.4pt">Non-performing assets to period-end assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.00</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.04</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.07</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-performing loans to period-end loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.37</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.19</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.49</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 54pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Annualized net charge-offs to average loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>0.40</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>0.09</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right; BACKGROUND-COLOR: #ffffff" valign="bottom">
<div>0.38</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>
</table>

<div><br>
</div>
</div>

<div>&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">12</font></div>
</div>

<div>&#160;</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Great Southern Bancorp, Inc. and Subsidiaries</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Consolidated Statements of Financial Condition</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">(In thousands, except number of shares)</div>

<div style="FONT-FAMILY: Arial"><br>
</div>

<table id="1bfe6c82d7ae4005ae8f3d4b4c8122d0" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 14.4pt">Assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Cash</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>107,193</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>115,198</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Interest-bearing deposits in other financial institutions</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>114,538</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>83,985</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Cash and cash equivalents</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>221,731</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>199,183</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Available-for-sale securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>249,546</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>262,856</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Held-to-maturity securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>353</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>353</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Mortgage loans held for sale</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>7,560</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>12,261</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Loans receivable (1), net of allowance for loan losses of $37,026&#160; &#8211;</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160; &#160;March 2016; $38,149 -&#160; December 2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,527,580</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,340,536</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">FDIC indemnification asset</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>20,125</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>24,082</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Interest receivable</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>11,335</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>10,930</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Prepaid expenses and other assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>54,537</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>59,322</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Other real estate owned (2), net</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>39,528</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>31,893</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Premises and equipment, net</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>143,434</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>129,655</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Goodwill and other intangible assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>13,867</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,758</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank stock</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>14,804</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>15,303</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Current and deferred income taxes</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>10,244</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>12,057</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,314,644</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,104,189</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 14.4pt">Liabilities and Stockholders' Equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -21.6pt">Liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,468,699</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,268,626</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank advances</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>31,523</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>263,546</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -12.6pt">Securities sold under reverse repurchase agreements with customers</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>135,097</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>116,182</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Short-term borrowings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>216,276</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,295</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Subordinated debentures issued to capital trust</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accrued interest payable</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,056</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,080</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; TEXT-INDENT: -30.6pt">Advances from borrowers for taxes and insurance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,773</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,681</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accounts payable and accrued expenses</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>24,223</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>24,778</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,909,421</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,705,962</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -21.6pt">Stockholders' Equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Capital stock</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Preferred stock, $.01 par value; authorized 1,000,000 shares;</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160; &#160;issued and outstanding March 2016 and December 2015 &#8211; -0- </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; shares</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Common stock, $.01 par value; authorized 20,000,000 shares;</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160; &#160;issued and outstanding March 2016 &#8211; 13,892,128 shares; </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; December 2015 &#8211; 13,887,932 shares</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>139</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>139</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Additional paid-in capital</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>24,544</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>24,371</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Retained earnings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>374,845</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>368,053</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accumulated other comprehensive gain</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5,695</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5,664</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Stockholders' Equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>405,223</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>398,227</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 76%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Liabilities and Stockholders' Equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,314,644</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,104,189</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial"><br>
</div>

<div>
<table id="4e200372ddfc4be08100a2480f780041" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; FONT-VARIANT: normal; WIDTH: 47px; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; align: right">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt">(1)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">At March 31, 2016 and December 31, 2015, includes loans, net of discounts, totaling $224.4 million and $236.1 million, respectively, which are subject to FDIC support through loss sharing agreements.&#160; As of March 31, 2016 and December 31, 2015, also includes $15.3 million and $16.2 million, respectively, of non- single-family loans, net of discounts, acquired in the Team Bank transaction, which are no longer covered by the FDIC loss sharing agreement for that transaction.&#160; As of March 31, 2016 and December 31, 2015, also includes $16.4 million and $17.1 million, respectively, of non- single-family loans, net of discounts, acquired in the Vantus Bank transaction, which are no longer covered by the FDIC loss sharing agreement for that transaction.&#160; In addition, as of March 31, 2016 and December 31, 2015, includes $88.2 million and $93.4 million, respectively, of loans, net of discounts, acquired in the Valley Bank transaction which are not covered by an FDIC loss sharing agreement.</div>
</td>
</tr>
</table>
</div>

<div>
<table id="50c8df647012467ab2667b7889e49a16" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt">(2)</div>
</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">At March 31, 2016 and December 31, 2015, includes foreclosed assets, net of discounts, totaling $1.9 million and $1.8 million, respectively, which are subject to FDIC support through loss sharing agreements. At March 31, 2016 and December 31, 2015, includes $417,000 and $460,000, respectively, net of discounts, of non- single-family foreclosed assets related to the Vantus Bank transaction, which are no longer covered by the FDIC loss sharing agreement for that transaction.&#160; At March 31, 2016 and December 31, 2015, includes $1.1 million and $995,000, respectively, net of discounts, of foreclosed assets related to the Valley Bank transaction, which are not covered by FDIC loss sharing agreements.&#160; In addition, at March 31, 2016 and December 31, 2015, includes $6.5 million and $1.2 million, respectively, of properties which were not acquired through foreclosure, but are held for sale.</div>
</td>
</tr>
</table>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">13</font></div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Great Southern Bancorp, Inc. and Subsidiaries</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Consolidated Statements of Income</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">(In thousands, except per share data)</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<table id="62ab678f2392426f90fa45202dae512c" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months</div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 14.4pt">Interest Income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">44,048</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">45,949</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">43,241</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Investment securities and other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,698</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,957</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,715</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">45,746</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">47,906</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">44,956</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Interest Expense</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,934</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,162</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,717</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank advances</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>438</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>447</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>376</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Short-term borrowings and repurchase agreements</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>81</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>21</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>14</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Subordinated debentures issued to capital trust</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">174</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">151</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">154</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">4,627</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,781</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">4,261</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Net Interest Income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>41,119</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>44,125</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>40,695</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Provision for Loan Losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,101</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,300</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,216</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt"><font style="FONT-WEIGHT: bold">Net Interest Income After</font>&#160;<font style="FONT-WEIGHT: bold">Provision for Loan Losses</font></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">39,018</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">42,825</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">39,479</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Noninterest Income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 9.9pt; TEXT-INDENT: -30.6pt">Commissions</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>303</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>281</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>155</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Service charges and ATM fees</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,279</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,644</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,008</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Net gains on loan sales</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>832</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>940</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>810</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Net realized gains on sales of available-for-sale securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>&#8212;</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Late charges and fees on loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>577</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>349</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>647</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Net change in interest rate swap fair value</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(162</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(92</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>69</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Accretion (amortization) of income related to business acquisitions</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(3,293</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(6,895</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>(2,965</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>)</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Other income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,435</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">717</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,336</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">4,974</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">(56</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">5,060</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Noninterest Expense</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Salaries and employee benefits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>15,363</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>14,577</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>14,421</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Net occupancy expense</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,842</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,054</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6,270</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Postage</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,001</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>888</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>943</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Insurance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>952</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>979</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>894</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Advertising</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>441</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>432</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>590</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Office supplies and printing</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>465</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>338</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>290</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Telephone</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>922</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>765</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>898</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Legal, audit and other professional fees</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>841</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>624</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>839</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Expense on foreclosed assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>911</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>385</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,207</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Partnership tax credit</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>420</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>420</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>420</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Other operating expenses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,762</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">1,780</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">2,373</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">30,920</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">27,242</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">29,145</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Income Before Income Taxes</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>13,072</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>15,527</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>15,394</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Provision for Income Taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,279</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,874</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">3,744</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Net Income</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>9,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>11,653</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>11,650</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Preferred Stock Dividends</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">145</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">119</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Net Income Available to Common Shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">9,793</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,508</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">11,531</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">14</font></div>
</div>
</div>

<div>&#160;</div>

<div>
<table id="cfeca609d1ca4f869dec4dd32348f2e4" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Three Months </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Ended</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Earnings Per Common Share</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Basic</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.71</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.84</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.83</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Diluted</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.70</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.83</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.82</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-RIGHT: 3.6pt">Dividends Declared Per Common Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.22</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.20</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">0.22</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

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<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #84312f; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #84312f" noshade="noshade">
</div>

<div id="DSPFPageNumberArea" style="TEXT-ALIGN: right"><font id="DSPFPageNumber" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">15</font></div>
</div>

<div>
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; FONT-WEIGHT: bold; TEXT-ALIGN: center">Average Balances, Interest Rates and Yields</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial"><br>
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">The following table presents, for the periods indicated, the total dollar amounts of interest income from average interest-earning assets and the resulting yields, as well as the interest expense on average interest-bearing liabilities, expressed both in dollars and rates, and the net interest margin.&#160; Average balances of loans receivable include the average balances of non-accrual loans for each period.&#160; Interest income on loans includes interest received on non-accrual loans on a cash basis.&#160; Interest income on loans includes the amortization of net loan fees, which were deferred in accordance with accounting standards.&#160; Fees included in interest income were $1.2 million and $953,000 for the three months ended March 31, 2016 and 2015, respectively.&#160; Tax-exempt income was not calculated on a tax equivalent basis. The table does not reflect any effect of income taxes.</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial"><br>
</div>

<table id="29f11f67020d447283d910fc5c8cd99f" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31, </div>

<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">2016<sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(1)</sup></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="10">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">Three Months Ended</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">March 31, 2016</font></div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="10">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">Three Months Ended</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">March 31, 2015</font></div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Yield/Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="26">
<div style="TEXT-ALIGN: center">(Dollars in thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Loans receivable:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.25</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>535,652</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>7,604</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.71</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>462,704</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>9,910</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>8.69</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Other residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.31</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>442,029</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,676</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>425,960</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,629</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.36</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Commercial real estate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.29</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,078,321</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>12,613</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.70</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,035,289</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>12,677</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.97</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Construction</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>412,526</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,827</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.71</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>319,136</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,736</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.75</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Commercial business</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.40</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>321,666</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4,278</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.35</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>324,153</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5,235</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6.55</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Other loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.46</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>666,068</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>8,488</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.13</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>527,245</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>8,156</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>6.27</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Industrial revenue bonds</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5.31</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>40,062</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>562</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5.65</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>44,079</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>606</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total loans receivable</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>4.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,496,324</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>44,048</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.07</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,138,566</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>45,949</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>5.94</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Investment securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3.05</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>272,415</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,559</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>370,311</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,883</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.06</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">Other interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.25</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>109,645</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>139</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.51</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>207,043</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.15</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>4.35</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div>3,878,384</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>45,746</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>4.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div>3,715,920</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>47,906</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>5.23</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Non-interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Cash and cash equivalents</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>103,918</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>103,964</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Other non-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>243,586</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>254,288</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,225,888</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,074,172</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Interest-bearing demand and</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt">savings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.25</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,474,103</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>905</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.25</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1,432,061</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>722</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.20</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Time deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.94</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>1,319,434</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,029</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.92</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>1,189,403</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>2,440</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.83</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Total deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.56</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2,793,537</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,934</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2,621,464</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,162</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.49</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -13.5pt">&#160;&#160;Short-term borrowings and repurchase agreements</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.25</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>204,906</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>81</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>224,708</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>21</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>0.04</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; TEXT-INDENT: -13.8pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">&#160;&#160;Subordinated debentures issued to</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial">capital trust</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.22</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>174</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>2.71</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>30,929</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>151</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>1.98</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;FHLB advances</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>179,652</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>438</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.98</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>207,784</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>447</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.87</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total interest-bearing liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div>3,203,869</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>4,627</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div>3,084,885</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>3,781</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>0.50</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Non-interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Demand deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>589,103</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>537,651</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;Other liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>27,499</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>24,642</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,820,471</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div>3,647,178</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left">Stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>405,417</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div>426,994</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;&#160;&#160;&#160;&#160;Total liabilities and stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,225,888</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4,074,172</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left">Net interest income:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left">Interest rate spread</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>3.78</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>41,119</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div>$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>44,125</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4.73</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 16%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left">Net interest margin*</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div>4.26</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div>%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
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<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">______________</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; TEXT-ALIGN: left">*Defined as the Company's net interest income divided by average total interest-earning assets.</div>

<div style="TEXT-ALIGN: left">
<table id="351370cb1cea4d4aba9475ca7a938955" class="DSPFListTable" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">(1)</td>
<td style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">The yield on loans at March 31, 2016, does not include the impact of the adjustments to the accretable yield (income) on loans acquired in the FDIC-assisted transactions.&#160; See "Net Interest Income" for a discussion of the effect on results of operations for the three months ended March 31, 2016.</td>
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