<SEC-DOCUMENT>0000927089-18-000030.txt : 20180124
<SEC-HEADER>0000927089-18-000030.hdr.sgml : 20180124
<ACCEPTANCE-DATETIME>20180124125136
ACCESSION NUMBER:		0000927089-18-000030
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20180123
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180124
DATE AS OF CHANGE:		20180124

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:		18544655

	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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREAT SOUTHERN BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>gsbc-8kearnings123117.htm
<DESCRIPTION>CURRENT REPORT ON FORM 8-K FOR JANUARY 23, 2018
<TEXT>
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<title>gsbc-8kearnings093014.htm</title>
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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>

<br>
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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>

<div>&#160;</div>

<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">January 23, 2018</div>

<br>
<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>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: center">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 33%; TEXT-ALIGN: center">(Commission File No.)</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: center">&#160;</td>
<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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</div>

<br>
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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>
<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: 50%; BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">65804 </td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 50%; TEXT-ALIGN: center">(Address of principal executive offices)</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 1%; TEXT-ALIGN: center">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 50%; TEXT-ALIGN: center">(Zip Code)</td>
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</table>
</div>

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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="TEXT-ALIGN: center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">N/A </font>

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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>

<br>
<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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<td style="FONT-SIZE: 12pt; FONT-FAMILY: wingdings; WIDTH: 5%">o</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: wingdings; WIDTH: 5%">o</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: wingdings; WIDTH: 5%">o</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: wingdings; WIDTH: 5%">o</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td>
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</table>
</div>

<div>&#160;</div>

<div>
<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #231f20; TEXT-ALIGN: left; MARGIN-LEFT: 2pt; LINE-HEIGHT: 12.55pt">Indicate by check mark whether the registrant is an emerging growth company as de&#64257;ned in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #231f20; TEXT-ALIGN: right; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 59.7pt">Emerging growth company &#9744;</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #231f20; TEXT-ALIGN: left; MARGIN-LEFT: 2pt; LINE-HEIGHT: 12.55pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised &#64257;nancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>
</div>

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<br>
<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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">On&#160;January 23, 2018, the Registrant issued a press release reporting&#160;preliminary financial results for the fourth quarter and annual earnings of the fiscal year ending December 31, 2017. 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.</font></div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Great Southern Bancorp, Inc.&#160;will host a conference call to review the information provided in&#160;the press release referred to above on Wednesday,&#160;January 24, 2018, at&#160;2:00 p.m., central time (3:00 p.m., eastern). The call will be available live to interested parties by calling 1-833-832-5121 using the conference passcode 7147459<font style="FONT-SIZE: 11pt; FONT-FAMILY: Times New Roman">. Participants should ask to be joined into the Great Southern Bancorp (GSBC) call.</font></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: 8.35%">(d)</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 83.63%" colspan="2">Exhibits<br>
<br>
</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 8%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 8.35%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 7.68%"><a style="FONT-SIZE: 12pt; FONT-FAMILY: 'times new roman'; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal" href="ex99-1.htm"><u>99</u></a>.1</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Press release dated&#160;January 23, 2018<br>
<br>
</td>
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<div><br>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURES</div>

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

<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>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><br>
 &#160;</div>

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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%"></td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; TEXT-ALIGN: left" colspan="2">GREAT SOUTHERN BANCORP, INC.</td>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%"></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%">January 24, 2018&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%; TEXT-ALIGN: center">By:</td>
<td style="WIDTH: 53%">
<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: 5%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%">&#160;</td>
<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: 5%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 37%">&#160;</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman; WIDTH: 5%">&#160;</td>
<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%">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>
<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;January 23, 2018</td>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99-1.htm
<DESCRIPTION>PRESS RELEASE DATED JANUARY 23, 2018
<TEXT>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; TEXT-ALIGN: right; LINE-HEIGHT: 13.7pt"><a name="Exhibit99"><!--Anchor--></a>Exhibit 99.1</div>

<div style="TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt"><img style="HEIGHT: 86px; WIDTH: 197px" src="image0.jpg"></div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">January 23, 2018</div>
</td>
<td style="WIDTH: 33.33%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 33.33%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">FOR IMMEDIATE RELEASE</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">CONTACT: Kelly Polonus, Great Southern, (417) 895-5242</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #0000ff; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">kpolonus@greatsouthernbank.com</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #0000ff; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;

<div style="COLOR: #000000; FONT: 11pt/13.7pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Great Southern Bancorp, Inc. Reports Preliminary Fourth Quarter and Annual Earnings of</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">$0.86 and $3.65 Per Diluted Common Share</div>

<div style="COLOR: #000000; FONT: 11pt/11.4pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 11.4pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Preliminary Financial Results and Other Matters for the Quarter and Year Ended December 31, 2017:</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold"><u>Significant Unusual Income or Expense Items:</u></font>&#160; During the three months ended December 31, 2017, the Company recorded the following unusual items:&#160; (1) The Company announced that following the enactment of the Tax Cuts and Jobs Act of 2017 (the "Act") federal tax reform legislation on December 22, 2017, it will distribute special cash bonuses to its more than 1,200 employees.&#160; The Company recorded a pre-tax expense of $1.1 million, which is included in the Consolidated Statements of Income under "Noninterest Expense &#8211; Salaries and employee benefits."&#160; This decreased diluted earnings per share by $0.05 in the three months ended December 31, 2017; and (2) Among other things, the Act permanently lowers the corporate federal income tax rate to 21% from the existing maximum rate of 35% in future periods. As a result of this reduction of the corporate federal income tax rate, U.S. generally accepted accounting principles require companies to perform a revaluation of their deferred tax assets and liabilities as of the date of enactment, with the resulting tax effects accounted for in the reporting period of enactment (the three months and year ended December 31, 2017).&#160; The effect of the tax legislation resulted in a net decrease in the Company's income tax expense of $250,000, or a $0.02 increase in diluted earnings per share in the three months ended December 31, 2017.&#160;</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold"><u>Total Loans:</u></font>&#160; Total gross loans (including the undisbursed portion of loans), excluding FDIC-assisted acquired loans and mortgage loans held for sale, increased $248.9 million, or 6.1%, from December 31, 2016, to December 31, 2017.&#160; This increase was primarily in construction loans, other residential (multi-family) real estate loans and commercial real estate loans.&#160; The FDIC-acquired loan portfolios had net decreases totaling $73.5 million during the year ended December 31, 2017.&#160; Outstanding net loan receivable balances decreased $33.7 million, from $3.76 billion at December 31, 2016 to $3.73 billion at December 31, 2017, and decreased $74.7 million, from $3.80 billion at September 30, 2017.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold"><u>Asset Quality:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">&#160; </font>Non-performing assets and potential problem loans, excluding those previously covered by FDIC loss sharing agreements and those acquired in the FDIC-assisted transaction with Valley Bank, which are accounted for and analyzed as loan pools rather than individual loans, totaled $35.8 million at December 31, 2017, a decrease of $10.5 million from $46.3 million at December 31, 2016 and a decrease of $5.1 million from $40.9 million at September 30, 2017.&#160; Non-performing assets at December 31, 2017 were $27.8 million (0.63% of total assets), down $11.5 million from $39.3 million (0.86% of total assets) at December 31, 2016 and down $5.1 million from $32.9 million (0.73% of total assets) at September 30, 2017.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; 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.&#160; On a preliminary basis, as of December 31, 2017, the Company's Tier 1 Leverage Ratio was 10.9%, Common Equity Tier 1 Capital Ratio was 10.9%, Tier 1 Capital Ratio was 11.4%, and Total Capital Ratio was 14.1%.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold"><u>Net Interest Income: </u></font>Net interest income for the fourth quarter of 2017 decreased $975,000 to $39.3 million compared to $40.2 million for the fourth quarter of 2016.&#160; Net interest income was also $39.3 million for the third quarter of 2017.&#160; Net interest margin was 3.75% for the quarter ended December 31, 2017, compared to 3.87% for the fourth quarter of 2016 and 3.77% for the quarter ended September 30, 2017.&#160; The decrease in the margin from the prior year fourth quarter was primarily the result of 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 periods, partially offset by increased</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif">total average loans.&#160; Increased average interest rates on deposits and other borrowings also contributed to lower net interest margin compared to the year ago quarter.&#160; The decrease in the margin from the quarter ended September 30, 2017 to the quarter ended December 31, 2017 was primarily due to a reduction in the additional yield accretion recognized.&#160; The positive impact on net interest margin from the additional yield accretion on acquired loan pools that was recorded during the period was 7, 30 and 9 basis points for the quarters ended December 31, 2017, December 31, 2016, and September 30, 2017, 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 style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">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 December 31, 2017, were $0.86 per diluted common share ($12.2 million available to common shareholders) compared to $0.83 per diluted common share ($11.8 million available to common shareholders) for the three months ended December 31, 2016.</div>
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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Preliminary earnings for the year ended December 31, 2017, were $3.65 per diluted common share ($51.6 million available to common shareholders) compared to $3.21 per diluted common share ($45.3 million available to common shareholders) for the year ended December 31, 2016.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For the quarter ended December 31, 2017, annualized return on average common equity was 10.37%, return on average assets was 1.10%, and net interest margin was 3.75%, compared to 10.98%, 1.05% and 3.87%, respectively, for the quarter ended December 31, 2016.&#160; For the year ended December 31, 2017, annualized return on average common equity was 11.32%, annualized return on average assets was 1.16%, and net interest margin was 3.74% compared to 10.93%, 1.04% and 4.05%, respectively, for the year ended December 31, 2016.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">President and CEO Joseph W. Turner commented, "We are pleased with our results in the fourth quarter, especially as the competition for loans and deposits continues to increase in our markets.&#160; Strong commercial and construction loan production, solid credit quality, a stable core net interest margin, and expense containment were highlights from the 2017 fourth quarter.&#160; In addition, in the fourth quarter and into future periods, the Company was and will be impacted by the recent federal tax reform legislation. We anticipate that the tax changes will lower our effective tax rate in 2018 and future periods, benefitting our net income. Discussion of the tax reform impact can be found later in this earnings release.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">"We continued to see good commercial and construction loan production during the fourth quarter as we've seen all year. For the second year in a row, our lenders have originated more than $1 billion in loans with commercial clients throughout our franchise footprint. Total gross loans, including the undisbursed portion of loans and excluding FDIC-assisted acquired loans and mortgages held for sale, increased $248.9 million, or 6.1%, from the end of 2016. This increase was partially offset by expected decreases in the consumer loan portfolio (down about $144 million) and one- to four-family residential loans.&#160; Outstanding loan balances were also negatively impacted by significant loan payoffs during 2017, resulting in our outstanding loan balance at the end of 2017 being down slightly from the end of 2016."</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Turner said, "Our level of non-performing assets decreased $5.1 million and $11.5 million, from the end of the third quarter of 2017 and the end of 2016, respectively. The level of potential problem loans remained fairly consistent with balances at September 30, 2017 and December 31, 2016 of $8.0 million and $7.0 million, respectively.&#160; Foreclosed assets, excluding those acquired in FDIC-assisted transactions, were reduced by $6.8 million during the fourth quarter as we continue to resolve these credits, primarily through property sales.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">"Core net interest margin improved by 11 basis points compared to the year ago quarter and was stable from the previous linked quarter. Expense containment remains a major focus for the Company.&#160; Total non-interest expenses were $29.3 million in the 2017 fourth quarter as compared to $28.0 million in the 2017 third quarter. Fourth quarter expenses include $1.1 million in special cash bonuses to be paid to Great Southern employees at the end of January 2018."</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/13.1pt Arial, 'sans-serif'">Selected Financial Data:</div>

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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net interest income</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,273</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">40,248</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">155,156</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">163,056</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -10.8pt">Provision for loan losses</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,950</div>
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<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,380</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9,100</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9,281</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -10.8pt">Non-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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,374</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,528</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">38,527</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">28,510</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 10.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -10.8pt">Non-interest expense</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">29,284</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">29,041</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">114,261</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">120,427</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -9pt">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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,207</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,561</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">18,758</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,516</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="WIDTH: 48%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net income and net income available to</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,206</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,794</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">51,564</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">45,342</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: 48%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.65</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.21</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>NET INTEREST INCOME</u></div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Net interest income for the fourth quarter of 2017 decreased $975,000 to $39.3 million compared to $40.2 million for the fourth quarter of 2016.&#160; Net interest margin was 3.75% in the fourth quarter of 2017, compared to 3.87% in the same period of 2016, a decrease of 12 basis points.&#160; For the three months ended December 31, 2017, the net interest margin decreased two basis points compared to the net interest margin of 3.77% in the three months ended September 30, 2017.&#160; The decrease in the margin from the prior year fourth quarter was primarily the result of 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 periods, partially offset by increased total average loans.&#160; Increased average interest rates on deposits and other borrowings also contributed to lower net interest margin compared to the year ago quarter.&#160; The small decrease in the margin from the quarter ended September 30, 2017 to the quarter ended December 31, 2017 was primarily due to a reduction in the additional yield accretion recognized.&#160; The average interest rate spread was 3.58% for the three months ended December 31, 2017, compared to 3.74% for the three months ended December 31, 2016 and 3.60% for the three months ended September 30, 2017.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Net interest income for the year ended December 31, 2017 decreased $7.9 million to $155.2 million compared to $163.1 million for the year ended December 31, 2016.&#160; Net interest margin was 3.74% in the year ended December 31, 2017, compared to 4.05% for the year ended December 31, 2016, a decrease of 31 basis points.&#160; The average interest rate spread was 3.59% for the year ended December 31, 2017, compared to 3.93% for the year ended December 31, 2016.&#160; The decrease in the margin from the prior year was primarily the result of 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 periods, partially offset by increased total average loans.&#160; Increased average interest rates on deposits and other borrowings also contributed to lower net interest margin compared to the prior year.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">The Company's net interest margin has been positively impacted by significant additional yield accretion recognized in conjunction with updated estimates of the fair value of the loan pools acquired in the 2009, 2011, 2012 and 2014 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 increased during the current and prior periods presented below, based on payment histories and reduced credit loss expectations. This resulted in increased income that has been spread, on a level-yield basis, over the remaining expected lives of the loan pools (and, therefore, has decreased over time). In the prior period, the increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC (when such agreements were in place), which were recorded as indemnification assets, with such reductions amortized on a comparable basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever was shorter.&#160; Additional estimated cash flows totaling approximately $706,000 and $1.3 million were recorded in the three months and year ended December 31, 2017, respectively, related to all of these loan pools.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">3</font></div>

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

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">The impact of adjustments on all portfolios acquired in FDIC-assisted transactions for the reporting periods presented is shown below:</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="zc1095e5705c847adaeb93e47e5ce51ab" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 80%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" align="center" border="0">
<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2016</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(In thousands, except basis points data)</div>
</td>
</tr>

<tr style="HEIGHT: 25px">
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.35pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.35pt">Impact on net interest income/<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> net interest margin (in basis points)</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">776</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: center">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"> bps</font></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,142</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: center">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">30 bps</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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: 10%; 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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(1,014</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, sans-serif; LINE-HEIGHT: 10.25pt">)</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">776</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,128</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="z179542f51d554db88db7e13fe3a500c9" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 80%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" align="center" border="0">
<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Year Ended</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="4">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2016</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="9">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(In thousands, except basis points data)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.35pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.35pt">Impact on net interest income/<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> net interest margin (in basis points)</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: center">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12 bps</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,393</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: center">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">41 bps</div>
</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(634</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, sans-serif; LINE-HEIGHT: 10.25pt">)</div>
</td>
<td style="WIDTH: 10%; 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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(7,033</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, sans-serif; LINE-HEIGHT: 10.25pt">)</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 25%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,380</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9,360</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Because these adjustments will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well.&#160; The remaining accretable yield adjustment that will affect interest income is $2.6 million.&#160; As there is no longer, nor will there be in the future, indemnification asset amortization related to Team Bank, Vantus Bank, Sun Security Bank or InterBank due to the termination or expiration of the related loss sharing agreements for those transactions, there is no remaining indemnification asset or related adjustments that will affect non-interest income (expense).&#160; Of the remaining adjustments affecting interest income, we expect to recognize $1.7 million of interest income during 2018.&#160; Additional adjustments may be recorded in future periods from the FDIC-assisted transactions, as the Company continues to estimate expected cash flows from the acquired loan pools.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Excluding the impact of the additional yield accretion, net interest margin for the three months and year ended December 31, 2017, increased 11 and decreased two basis points, respectively, when compared to the year-ago periods.&#160; The decrease in net interest margin in the twelve month period is primarily due to the interest expense associated with the issuance of $75.0 million of subordinated notes in the third quarter of 2016 and an increase in the average interest rate on deposits and other borrowings.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For additional information on net interest income components, see the "Average Balances, Interest Rates and Yields" tables in this release.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>NON-INTEREST INCOME</u></div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For the quarter ended December 31, 2017, non-interest income decreased $154,000 to $7.4 million when compared to the quarter ended December 31, 2016, primarily as a result of the following items:</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
<table id="z85d511f372be46a9995962c11c5f9ba9" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt"></td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Symbol, serif; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">&#183;</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Amortization of income related to business acquisitions</u></font>:&#160; Because of the termination of the loss sharing agreements in previous periods, the net amortization expense related to business acquisitions was $-0- for the quarter ended December 31, 2017, compared to $848,000 for the quarter ended December 31, 2016, which reduced non-interest income by that amount in the previous year.</div>
</td>
</tr>
</table>
</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
<table id="z0c6a7b241c8e403cb131c4c500707aee" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt"></td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Symbol, serif; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">&#183;</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Other income</u></font>:&#160; Other income decreased $426,000 compared to the prior year quarter.&#160; This decrease was primarily due to the loss on disposal of certain fixed assets, including ATMs, during the quarter.</div>
</td>
</tr>
</table>
</div>

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</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For the year ended December 31, 2017, non-interest income increased $10.0 million to $38.5 million when compared to the year ended December 31, 2016, primarily as a result of the following items:</div>

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</div>

<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
<table id="z5aa042d4f8004f12a8775255d6b623b8" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt"></td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: Symbol, serif; WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">&#183;</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Gain on early termination of FDIC loss sharing agreement for Inter Savings Bank</u></font>:&#160; As previously disclosed in the Company's Current Report on Form 8-K filed on June 9, 2017, the Company's loss sharing agreement with the FDIC related to Inter Savings Bank was terminated early and the Company received a payment of $15.0 million to settle all outstanding items related to the terminated agreement.</div>
</td>
</tr>
</table>
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">4</font></div>

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

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif">The Company recognized a one-time gross gain of $7.7 million related to the termination, which was recorded in the accretion of income related to business acquisitions line item of the consolidated statements of income during the year ended December 31, 2017.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Amortization of income related to business acquisitions</u></font>:&#160; Because of the termination of FDIC loss sharing agreements in previous periods, the net amortization expense related to business acquisitions was $486,000 for the year ended December 31, 2017, compared to $6.4 million for the year ended December 31, 2016.&#160; The amortization expense for the year ended December 31, 2017, consisted of the following items:&#160; $504,000 of amortization expense related to the changes in cash flows expected to be collected from the FDIC-covered loan portfolios acquired from InterBank and $140,000 of amortization of the clawback liability. Partially offsetting the expense was income from the accretion of the discount related to the indemnification asset for the InterBank acquisition of $158,000.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Late charges and fees on loans</u></font>:&#160; Late charges and fees on loans increased $484,000 compared to the prior year.&#160; The increase was primarily due to fees totaling $632,000 on loan payoffs received on four loan relationships, partially offset by a decrease in late charges and fees during the fourth quarter of 2017.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Net gains on loan sales</u></font>:&#160; Net gains on loan sales decreased $791,000 compared to the prior year.&#160; The decrease was due to a decrease in originations of fixed-rate loans in 2017 compared to 2016.&#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, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Other income</u></font>:&#160; Other income decreased $825,000 compared to the prior year.&#160; During 2016, the Company recognized gains of $367,000 on the sale of the two branches in Southwest Missouri.&#160; In addition, a gain of $238,000 was recognized on sales of fixed assets unrelated to the branch sales during 2016.&#160; There were no similar transactions during 2017.&#160; There were net losses on the disposal of certain fixed assets, including ATMs, during the fourth quarter of 2017 of approximately $114,000, with no significant losses on the disposal of fixed assets in the comparable prior year period.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Net realized gains on sales of available-for-sale securities</u></font>:&#160; During 2016, the Company sold an investment held by Bancorp for a gain of $2.7 million and sold other investment securities for a net gain of $144,000.&#160; There were no gains on sales of investments in the current year.</div>
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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif">For the quarter ended December 31, 2017, non-interest expense increased $243,000 to $29.3 million when compared to the quarter ended December 31, 2016, primarily as a result of the following items:<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><br>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Salaries and employee benefits</u></font>:&#160; Salaries and employee benefits increased $833,000 from the prior year quarter.&#160; This increase is due to $1.1 million of expense for the special cash bonuses to be paid to all employees who were employed by the Company on December 31, 2017.&#160; These bonuses were in response to the new federal tax reform legislation.&#160; Partially offsetting that increase was a decrease in incentive compensation for loan originators and staff due to fewer residential loan originations in the 2017 period than in the prior year period.&#160; The Company also recently reorganized some staff functions in certain areas to operate more efficiently.&#160; In addition, there are budgeted but unfilled positions in various areas of the Company that have resulted in lower compensation costs in these areas.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Net occupancy and equipment expense:</u></font>&#160; Net occupancy expense decreased $327,000 in the quarter ended December 31, 2017 compared to the same quarter in 2016.&#160; The decrease was primarily due to furniture, fixtures and equipment, and computer equipment which became fully depreciated during the past year resulting in less depreciation expense during the quarter ended December 31, 2017.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Expense on foreclosed assets:</u></font>&#160; Expense on foreclosed assets increased $307,000 compared to the prior year period primarily due to valuation write-downs of certain foreclosed assets during the current period, totaling approximately $680,000, and higher levels of expense related to consumer repossessions than in the year ago quarter.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Other operating expenses:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">&#160; </font>Other operating expenses decreased $590,000 in the quarter ended December 31, 2017 compared to the same period in 2016.&#160; The decrease in other operating expenses was primarily due to higher levels of debit card and check fraud losses in the prior year period.&#160; In the 2016 period, the Company experienced debit card and check fraud losses totaling $566,000.&#160; These losses totaled $151,000 in the current year quarter.</div>
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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif">For the year ended December 31, 2017, non-interest expense decreased $6.2 million to $114.3 million when compared to the year ended December 31, 2016, primarily as a result of the following items:<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><br>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Fifth Third Bank branch acquisition expenses:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">&#160; During 2016, the Company incurred approximately $1.4 million of one-time expenses related to the acquisition of certain branches from Fifth Third Bank.&#160; Those</font> expenses included approximately $124,000 of compensation expense, approximately $385,000 of legal, audit and other professional fees expense, approximately $294,000 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 $79,000 of travel, meals and other expenses related to the transaction.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Salaries and employee benefits</u></font>:&#160; Salaries and employee benefits decreased $343,000 from the prior year.&#160; In 2016, the Company incurred one-time acquisition related net salary and retention bonus and other compensation expenses paid as part of the Fifth Third branch transaction totaling $124,000.&#160; Subsequent to the transaction, some employees related to those operations left the Company and many were not replaced.&#160; Compensation expense also decreased for the reasons outlined in the quarter discussion above.&#160; These decreases were partially offset by the increase of $1.1 million related to the special employee bonuses as noted in the fourth quarter discussion above.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Net occupancy expense:</u></font>&#160; Net occupancy expense decreased $1.5 million in the year ended December 31, 2017 compared to 2016.&#160; As noted above, there were furniture, fixtures and equipment, and computer equipment which became fully depreciated during the past year resulting in less depreciation expense during the current year.&#160; During 2016, the Company had one-time expenses as part of the acquisition of the Fifth Third banking centers of $279,000 and increased computer license and support costs of $247,000 with no similar expenses in the current year.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Partnership tax credit:</u></font>&#160; Partnership tax credit expense decreased $751,000 in the year ended December 31, 2017 compared to 2016.&#160; The decrease was primarily due to the end of the amortization period for some of the Company's new market tax credits and the investment in those tax credits has been written off.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Insurance expense:</u></font>&#160; Insurance expense decreased $523,000 in the year ended December 31, 2017 compared to the prior year primarily due to a reduction in FDIC insurance premiums resulting from a change in the FDIC insurance assessment rates, which went into effect during the fourth quarter of 2016.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Postage:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">&#160; </font>Postage decreased $330,000 from the prior year.&#160; During 2016, the Company incurred significant postage costs due to branch acquisitions and sales and the mailing of chip enabled debit cards.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Legal, audit and other professional fees:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">&#160; </font>Legal, audit and other professional fees decreased $329,000 from the prior year period due to additional expenses in 2016 related to the Fifth Third transaction, as noted in the Fifth Third Bank branch acquisition expenses above.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><u>Other operating expenses:</u></font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">&#160; </font>Other operating expenses decreased $1.5 million in the year ended December 31, 2017 compared to the prior year.&#160; The decrease in other operating expenses was primarily due to higher levels of debit card and check fraud losses in the prior year.&#160; In 2016, the Company experienced debit card and check fraud losses totaling $1.9 million, a significant portion of which resulted from a data security breach at a national retail merchant which operates stores in many of our markets, affecting some of our debit card customers who transacted business with the merchant.&#160; In the 2017 period, the Company experienced debit card and check fraud losses totaling $1.0 million.&#160; Additionally, $436,000 of the decrease in operating expenses is the charge in 2016 to replace Fifth Third customer checks as discussed above.</div>
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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">The Company's efficiency ratio for the quarter ended December 31, 2017, was 62.78% compared to 60.78% for the same quarter in 2016.&#160; The increase in the ratio in the 2017 three month period was primarily due to a small increase in non-interest expense, along with a decrease in net interest income.&#160; The Company's ratio of non-interest expense to average assets increased from 2.59% for the three months ended December 31, 2016, to 2.63% for the three months ended December 31, 2017.&#160; The increase in the current three month period ratio was due to the increase in non-interest expense and a decrease in average assets in the 2017 period compared to the 2016 period.&#160; Average assets for the quarter ended December 31, 2017, decreased $20.2 million, or 0.5%, from the quarter ended December 31, 2016, primarily due to decreases in investment </div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">securities and other interest-earning assets, partially offset by organic loan growth.&#160; The Company's efficiency ratio for the year ended December 31, 2017, was 58.99% compared to 62.86% for 2016.&#160; The improvement in the ratio in the 2017 twelve month period was primarily due to the decrease in non-interest expense and the increase in non-interest income (significantly impacted by the gain on the termination of the loss sharing agreements for the Inter Savings Bank FDIC-assisted transaction), partially offset by the decrease in net interest income.&#160; The Company's ratio of non-interest expense to average assets decreased from 2.76% for the year ended December 31, 2016, to 2.56% for the year ended December 31, 2017.&#160; The decrease in the current twelve month period ratio was due to the decrease in non-interest expense and the increase in average assets in 2017 compared to 2016.&#160; Average assets for the year ended December 31, 2017, increased $89.4 million, or 2.0%, from the year ended December 31, 2016, primarily due to organic loan growth, partially offset by decreases in investment securities.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>INCOME TAXES</u></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For the three months ended December 31, 2017 and 2016, the Company's effective tax rate was 20.8% and 27.9%, respectively.&#160; For the years ended December 31, 2017 and 2016, the Company's effective tax rate was 26.7% and 26.7%, respectively.&#160; These effective rates were 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; 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 pre-tax income.&#160; The Company's effective tax rate was higher than its typical effective tax rate in the 2016 and 2017 years due to increased net income due to the gain on termination of the loss sharing agreements for the Inter Savings Bank FDIC-assisted transaction (2017) and gains on the sales of investments (2016).</div>

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<div style="COLOR: #000000; TEXT-ALIGN: justify; FONT: 11pt/12.55pt Arial, 'sans-serif'">On December 22, 2017, the Tax Cuts and Jobs Act (the "Act") was signed into law. Among other things, the Act permanently lowers the corporate federal income tax rate to 21% from the prior maximum rate of 35%, effective for tax years including or commencing January 1, 2018. As a result of the reduction of the corporate federal income tax rate to 21%, U.S. generally accepted accounting principles require companies to perform a revaluation of their deferred tax assets and liabilities as of the date of enactment, with the resulting tax effects accounted for in the reporting period of enactment (the three months and year ended December 31, 2017). Deferred income taxes result from temporary differences between the tax basis of assets and liabilities and their reported amounts in the financial statements, which will result in taxable or deductible amounts in future years. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: justify; FONT: 11pt/12.55pt Arial, 'sans-serif'">Based upon preliminary estimates and current accounting guidance, and the utilization and recognition of the timing differences referred to above, the Company currently expects to have a net deferred tax liability as of December 31, 2017, which will result in an increase in net income of approximately $250,000, equal to approximately $0.02 per diluted share (through a net decrease in income tax expense). This estimate of the impact on the Company's net deferred tax liabilities, which includes, among other things, the timing of recognition of various revenues and expenses, is based upon a preliminary review and analysis of the Company's net deferred tax liabilities at December 31, 2017, as well as expected adjustments to various deferred tax assets and deferred tax liabilities in the fourth quarter, including those accounted for in accumulated other comprehensive income.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">In addition, the Company currently expects its effective tax rate (combined federal and state) to decrease from approximately 26.7% in 2017 to approximately 15.5% to 17.5% in 2018, mainly&#160;as a result of the Act. The Company's effective income tax rate is expected to continue to be less than the statutory rate due primarily to investments in low-income housing tax credit projects and tax-exempt obligations. The Company's effective tax rate could change in future periods based on changes in the level of investments in tax credit projects and tax-exempt obligations, as well as changes in the level of overall pre-tax earnings.</div>

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</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">The above information represents the Company's current estimate of the impact of the Act on its financial results.&#160; The Company will continue to evaluate the effect of the Act on its financial results. Therefore, the Company's revaluation of its net deferred tax liability and other relevant information remain subject to possible modifications. Additional details will be included in the Company's Annual Report on Form 10-K for the year ended December 31, 2017.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>CAPITAL</u></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">As of December 31, 2017, total stockholders' equity and common stockholders' equity were $471.7 million (10.7% of total assets), equivalent to a book value of $33.48 per common share.&#160; Total stockholders' equity and common stockholders' equity at December 31, 2016, were $429.8 million (9.4% of total assets), equivalent to a book value of $30.77 per common share.&#160; At December 31, 2017, the Company's tangible common equity to tangible assets ratio was 10.5%, compared to 9.2% at December 31, 2016.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">On a preliminary basis, as of December 31, 2017, the Company's Tier 1 Leverage Ratio was 10.9%, Common Equity Tier 1 Capital Ratio was 10.9%, Tier 1 Capital Ratio was 11.4%, and Total Capital Ratio was 14.1%.&#160; On December 31, 2017, and on a preliminary basis, the Bank's Tier 1 Leverage Ratio was 11.7%, Common Equity Tier 1 Capital Ratio was 12.3%, Tier 1 Capital Ratio was 12.3%, and Total Capital Ratio was 13.2%.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>LOANS</u></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Total gross loans (including the undisbursed portion of loans), excluding FDIC-assisted acquired loans and mortgage loans held for sale, increased $248.9 million, or 6.1%, from December 31, 2016, to December 31, 2017.&#160; This increase was primarily in construction loans ($281 million), other residential (multi-family) real estate loans ($82 million) and commercial real estate loans ($48 million).&#160; These increases were partially offset by decreases in consumer loans ($144 million) and one- to four-family residential loans ($27 million).&#160; The FDIC-acquired loan portfolios had net decreases totaling $73.5 million during the year ended December 31, 2017.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Loan commitments and the unfunded portion of loans at the dates indicated were as follows (in thousands):</div>

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<td style="WIDTH: 1%; 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, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">December 31,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2017</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>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">September 30,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">June 30,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">March 31,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">December 31,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">December 31,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> 2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left; BACKGROUND-COLOR: #ffffff" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">Closed loans with unused available lines</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (one- to four-family)</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, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">133,587</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">128,184</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, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">129,894</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">127,527</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, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">123,433</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">105,390</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (not one- to four-family)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">10,836</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">20,425</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">17,486</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">22,234</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">26,062</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">21,857</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Not secured by real estate - commercial business</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">113,317</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">105,941</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">99,680</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">93,541</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">79,937</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">63,865</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">Closed construction loans with unused</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;&#160;&#160;available lines</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (one-to four-family)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">20,919</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">7,044</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">8,767</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">8,419</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">10,047</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">14,242</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (not one-to four-family)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">718,277</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">652,195</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">604,999</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">583,396</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">542,326</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">385,969</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">Loan Commitments not closed</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (one-to four-family)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">23,340</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">25,591</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">18,769</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">20,252</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">15,884</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">13,411</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Secured by real estate (not one-to four-family)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">156,658</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">182,910</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">149,317</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">61,543</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">119,126</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">120,817</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;&#160;&#160;Not secured by real estate - commercial business</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">4,870</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">10,297</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">10,244</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">4,558</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">7,022</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</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="WIDTH: 30%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 30%; VERTICAL-ALIGN: bottom; 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: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">1,181,804</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">1,132,587</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: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">1,039,156</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">921,470</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: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">923,837</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; LINE-HEIGHT: 9.1pt">725,551</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">For further information about the Company's loan portfolio, please see the quarterly loan portfolio presentation available on the Company's Investor Relations website under "Presentations."</div>

<div style="MARGIN-BOTTOM: 6pt; COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">8</font></div>

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

<div style="MARGIN-BOTTOM: 6pt; COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
 &#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>PROVISION FOR LOAN LOSSES AND ALLOWANCE FOR LOAN LOSSES</u></div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; 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; </font>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>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">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, financial analysis, 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="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">The provision for loan losses for the quarter ended </font>December 31<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">, 2017, decreased $430,000 to $2.0 million compared with $2.4 million for the quarter ended </font>December <font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">31, 2016.&#160; At </font>December 31<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">, 2017 and December 31, 2016, the allowance for loan losses was $36.5 million and $37.4 million, respectively.&#160; Total net charge-offs were $1.7 million and $2.0 million for the quarters ended </font>December 31<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">, 2017 and 2016, respectively.&#160; During the quarter ended December 31, 2017, $1.4 million of the $1.7 million of net charge-offs were in the consumer auto category.&#160; One commercial loan relationship amounted to $476,000 of the total charge-offs during the current quarter.&#160; This was partially offset by a recovery of $371,000 on a different unrelated commercial relationship during the quarter. Total net charge-offs were $10.0 million and $10.0 million for the years ended December 31, 2017 and 2016, respectively.</font>&#160; <font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">During the year ended December 31, 2017, $6.1 million of the $10.0 million of net charge-offs were in the consumer auto category.&#160; Five commercial loan relationships amounted to $2.9 million of the net charge-off total for the year ended December 31, 2017.&#160; In response to a more challenging consumer credit environment, the Company tightened its underwriting guidelines on automobile lending in the latter part of 2016.&#160; Management took this step in an effort to improve credit quality in the portfolio and lower delinquencies and charge-offs.&#160; This action also resulted in a lower level of origination volume and, as such, the outstanding balance of the Company's automobile loans declined approximately $137 million in the year ended December 31, 2017.&#160; We expect to see further declines in the automobile loan totals through the majority of 2018 as well.&#160; General market conditions and unique circumstances related to individual borrowers and projects contributed to the level of provisions and charge-offs.&#160; As assets 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="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">In June 2017, the loss sharing agreements for Inter Savings Bank were terminated.&#160; In April 2016, the loss sharing agreements for Team Bank, Vantus Bank and Sun Security Bank were terminated.&#160; Loans acquired from the FDIC related to Valley Bank did not have a loss sharing agreement.&#160; All acquired loans were grouped into pools based on common characteristics and were recorded at their estimated fair values, which incorporated estimated credit losses at the acquisition date.&#160; These loan pools are systematically reviewed by the Company to determine the risk of losses that may exceed those identified at the time of the acquisition.&#160; Techniques used in determining risk of loss are similar to those used to determine the risk of loss for the legacy Great Southern Bank portfolio, with most focus being placed on those loan pools which include the larger loan relationships and those loan pools which exhibit higher risk characteristics.&#160; Review of the acquired loan portfolio also includes review of financial information, collateral valuations and customer interaction to determine if additional reserves are warranted.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000">The Bank's allowance for loan losses as a percentage of total loans, excluding acquired loans that were previously covered by the FDIC loss sharing agreements, was 1.01%, 1.04% and 0.99% at </font>December 31,<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000"> 2017, December 31, 2016 and September 30, 2017, respectively.&#160; Management considers the allowance for loan losses adequate to cover losses inherent in the Bank's loan portfolio at December 31, 2017, based on recent reviews of the Bank'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.</font></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>ASSET QUALITY</u></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Former TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank 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. These assets were initially recorded at their estimated fair values as of their acquisition dates and are accounted for in pools; therefore, these loan pools are analyzed rather than the individual loans.&#160; The performance of the loan pools acquired in each of the five transactions has been better than expectations at the acquisition date.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">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="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Non-performing assets, excluding all FDIC-assisted acquired assets, at December 31, 2017 were $27.8 million, a decrease of $11.5 million from $39.3 million at December 31, 2016 and a decrease of $5.1 million from $32.9 million at September 30, 2017.&#160; Non-performing assets, excluding all FDIC-assisted acquired assets, as a percentage of total assets were 0.63% at December 31, 2017, compared to 0.86% at December 31, 2016 and 0.73% at September 30, 2017.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Compared to December 31, 2016, non-performing loans decreased $2.8 million to $11.3 million at December 31, 2017, and foreclosed assets decreased $8.7 million to $16.6 million at December 31, 2017.&#160; Compared to September 30, 2017, non-performing loans increased $1.8 million and foreclosed assets decreased $6.8 million at December 31, 2017.&#160; Non-performing consumer loans comprised $3.3 million, or 29.0%, of the total $11.3 million of non-performing loans at December 31, 2017, a decrease of $471,000 from September 30, 2017.&#160; Non-performing one- to four-family residential loans comprised $2.7 million, or 24.2%, of the total non-performing loans at December 31, 2017, a decrease of $36,000 from September 30, 2017.&#160; Non-performing commercial business loans comprised $2.1 million, or 18.3%, of the total non-performing loans at December 31, 2017, a decrease of $117,000 from September 30, 2017.&#160; Non-performing other residential loans comprised $1.9 million, or 16.7%, of the total non-performing loans at December 31, 2017, an increase of $1.8 million from September 30, 2017.&#160; Non-performing commercial real estate loans comprised $1.2 million, or 10.9%, of the total non-performing loans at December 31, 2017, an increase of $658,000 from September 30, 2017.&#160; Non-performing construction and land development loans comprised $98,000, or 0.9%, of the total non-performing loans at December 31, 2017, a decrease of $38,000 from September 30, 2017.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Compared to September 30, 2017 and December 31, 2016, potential problem loans decreased $94,000 and increased $975,000, respectively, to $7.9 million at December 31, 2017.&#160; The decrease during the quarter was due to $295,000 in loans removed from potential problem loans, $99,000 in payments, and $13,000 in loans transferred to non-performing loans, partially offset by the addition of $313,000 of loans to potential problem loans.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Activity in the non-performing loans category during the quarter ended December 31, 2017, was as follows:</div>

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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Beginning<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Balance,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> October 1</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Additions to<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Removed<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Transfers<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Transfers to<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
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</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Subdivision construction</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">102</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(4</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">98</div>
</td>
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</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Land development</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">34</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(34</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Commercial 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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">One- to four-family residential</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">2,756</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">294</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(148</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(4</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(178</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">2,720</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Other residential</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">77</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">2,353</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(77</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(476</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">1,877</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Commercial real estate</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">568</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">667</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(9</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">1,226</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Commercial business</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">2,180</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(116</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(1</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">2,063</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt">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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">3,742</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">1,223</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(128</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(309</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(782</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(475</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">3,271</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="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; 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: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">9,459</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">4,537</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: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(77</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">(276</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, sans-serif; LINE-HEIGHT: 9.1pt">)</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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(313</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">(1,408</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, sans-serif; LINE-HEIGHT: 9.1pt">)</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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(667</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">11,255</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">10</font></div>

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

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
 &#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">At December 31, 2017, the non-performing one- to four-family residential category included 28 loans, three of which were added during the current quarter.&#160; The largest relationship in this category, which was added during the quarter ending September 30, 2017, included nine loans totaling $1.4 million, which are collateralized by residential rental homes in the Springfield, Mo. area. The non-performing commercial business category included five loans.&#160; The largest relationship in this category totaled $1.5 million, or 73.2% of the total category.&#160; This relationship was previously collateralized by commercial real estate which has been foreclosed and subsequently sold.&#160; Collection efforts are currently being pursued against the guarantors of the credit relationship.&#160; The non-performing other residential category included one loan, which was added during the current quarter.&#160; This loan is collateralized by an apartment project in the central Missouri area and was originated in 2004.&#160; The non-performing commercial real estate category included six loans, one of which was added during the current quarter, and was the largest relationship in the category totaling $667,000, or 54.4% of the total category.&#160; This loan is collateralized by commercial property in the St. Louis, Mo., area.&#160; The non-performing consumer category included 255 loans, 116 of which were added during the current quarter, and the majority of which are indirect used automobile loans.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Activity in the potential problem loans category during the quarter ended December 31, 2017, was as follows:</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="zb302fc0024d44f68b7047265ceda2d1f" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 19%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Beginning<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Balance,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> October 1</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Additions to<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Potential<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Problem</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Removed<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>from<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Potential<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Problem</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Transfers to<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Non-<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Performing</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Transfers to<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Foreclosed<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Assets</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Charge-Offs</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Payments</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">Ending<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Balance,<font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> December 31</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="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="26">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 9.1pt">(In thousands)</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; 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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Subdivision 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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">5</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(1</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">4</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">991</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">148</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(17</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">1,122</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Commercial real estate</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">6,105</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(285</div>
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<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(61</div>
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</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">5,759</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; TEXT-INDENT: -7.2pt">Commercial business</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">515</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(12</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">503</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 9.1pt; 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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">415</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">165</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(10</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(13</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#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: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(8</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</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: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">549</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="WIDTH: 19%; VERTICAL-ALIGN: top" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 19%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; 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: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">8,031</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">313</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: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(295</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">(13</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, sans-serif; LINE-HEIGHT: 9.1pt">)</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, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</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, sans-serif; LINE-HEIGHT: 9.1pt">&#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: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">(99</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">$</div>
</td>
<td style="WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 9.1pt">7,937</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">At December 31, 2017, the commercial real estate category of potential problem loans included three loans, all part of the same customer relationship.&#160; This relationship, totaling $5.8 million, or 100.0% of the total category, is collateralized by theatre and retail property in Branson, Mo.&#160; This is a long-term customer of the Bank and these loans were all originated prior to 2008.&#160; The borrower is experiencing cash flow issues due to vacancies in some of the properties and the loans were added to potential problem loans during the third quarter of 2017.&#160; The one- to four-family residential category of potential problem loans included 16 loans, two of which were added during the current quarter. The commercial business category of potential problem loans included five loans. The consumer category of potential problem loans included 43 loans, 17 of which were added during the current quarter.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Activity in foreclosed assets during the quarter ended December 31, 2017, excluding $2.1 million in foreclosed assets previously covered by FDIC loss sharing agreements, $1.7 million in foreclosed assets related to Valley Bank and not covered by loss sharing agreements, and $1.6 million in properties which were not acquired through foreclosure, was as follows:</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">11</font></div>

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

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<table id="za8aba7fecbdb48729d52f392ba63ffdd" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="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, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Beginning<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Balance,<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> October 1</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Additions</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">ORE Sales</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Capitalized<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Costs</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">ORE Write-<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
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</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Ending<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font>Balance,<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
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</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="22">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(In thousands)</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
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<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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
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<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Subdivision 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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,468</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(55</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,413</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Land development</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10,052</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(2,250</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(573</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,229</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Commercial 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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">One- to four-family residential</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">203</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">47</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(138</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">112</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Other residential</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">161</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(21</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">140</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Commercial real estate</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,864</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(1,080</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(90</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,694</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -7.2pt">Commercial business</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,876</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(2,876</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 7.2pt; LINE-HEIGHT: 10.25pt; 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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,793</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,597</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(2,403</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, sans-serif; LINE-HEIGHT: 10.25pt">)</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 8pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,987</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="WIDTH: 22%; VERTICAL-ALIGN: top" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 22%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">23,417</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,644</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(8,802</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(684</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,575</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">At December 31, 2017, the land development category of foreclosed assets included 17 properties, the largest of which was located in the Branson, Mo., area and had a balance of $1.2 million, or 17.2% of the total category.&#160; One property located in the northwest Arkansas area and totaling $1.4 million was sold during the quarter ended December 31, 2017.&#160; Of the total dollar amount in the land development category of foreclosed assets, 38.6% and 23.0% was located in the Branson, Mo. and the northwest Arkansas areas, respectively, including the largest property previously mentioned.&#160; The subdivision construction category of foreclosed assets included 15 properties, the largest of which was located in the Springfield, Mo. metropolitan area and had a balance of $1.2 million, or 22.8% of the total category.&#160; Of the total dollar amount in the subdivision construction category of foreclosed assets, 38.2% and 22.8% is located in Branson, Mo. and Springfield, Mo., respectively, including the largest property previously mentioned.&#160; The commercial real estate category of foreclosed assets included four properties.&#160; The largest relationship in the commercial real estate category, which was added during the previous quarter, includes a commercial property in Branson, Mo. totaling $300,000, or 17.7% of the total category.&#160; One property in the commercial real estate category, which is a hotel located in the western United States totaling $1.1 million, was sold during the quarter ended December 31, 2017.&#160; The commercial business category of other real estate has a balance of zero as of December 31, 2017, due to the sale of the one foreclosed property in the category during the quarter totaling $2.9 million, which was collateralized by the borrower's interest in a condominium project in Branson, Mo.&#160; The larger amount of additions and sales under consumer loans are due to a higher volume of repossessions of automobiles, which generally are subject to a shorter repossession process.&#160; The Company experienced increased levels of delinquencies and repossessions in indirect and used automobile loans throughout 2016 and 2017.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>BUSINESS INITIATIVES</u></div>

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</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">At the end of October 2017, a new banking center at 1320 W. Battlefield in Springfield, Mo., opened that replaced a nearby leased office at 1580 W. Battlefield. The new office offers better access and convenience for customers.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">The Company continually evaluates its various customer access channels to ensure that customers are being effectively served when, where and how they prefer. The Company's ATM network is a part of this ongoing evaluation, which may include upgrading or adding ATM units or removing units from certain sites. Over the next year, 70 ATMs located primarily at Great Southern banking centers will be replaced with upgraded multi-functional deposit-taking machines. In addition, thirteen off-site ATMs with low customer usage have been removed in the last few months. Further evaluation of the ATM network is anticipated in the future. Great Southern customers can also access surcharge-free ATMs worldwide through the Allpoint ATM Network.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">On January 3, 2018, the Company announced that following the enactment of the new federal tax reform legislation, it will distribute special cash bonuses to its more than 1,200 employees at the end of January 2018. A $1,000 cash payment will be made to all full-time employees and a $500 cash payment will be made to all part-time employees who were employed by the Company on December 31, 2017 and remain employed at January 31, 2018.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
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 &#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">Great Southern Bancorp, Inc. will hold its 29th Annual Meeting of Shareholders at 10:00 a.m. CDT on Wednesday, May 9, 2018, at the Great Southern Operations Center, 218 S. Glenstone, Springfield, Mo.&#160; Holders of Great Southern Bancorp, Inc. common stock at the close of business on the record date, February 28, 2018, can vote at the annual meeting, either in person or by proxy.</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'; BACKGROUND-COLOR: #ffffff">Headquartered in Springfield, Mo., Great Southern offers a broad range of banking services to customers. The Company operates 104 retail banking centers and more than 200 ATMs in Missouri, Arkansas, Iowa, Kansas, Minnesota and Nebraska and commercial lending offices in Chicago, Dallas and Tulsa, Okla. The common stock of Great Southern Bancorp, Inc. is listed on the Nasdaq Global Select Market under the symbol "GSBC."</div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>www.GreatSouthernBank.com</u></div>

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<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: bold 9pt/10.25pt Arial, 'sans-serif'">Forward-Looking Statements</div>

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<div style="MARGIN-BOTTOM: 7.5pt; MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 9pt/9.1pt Arial, 'sans-serif'">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) the possibility that the actual reduction in the Company's effective tax rate expected to result from the Tax Cuts and Jobs Act of 2017 might be different from the reduction estimated by the Company; (ii) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Company's&#160; merger and acquisition activities&#160; 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) the ability to adapt successfully to technological changes to meet customers' needs and developments in the marketplace; (xi) the possibility that security measures implemented might not be sufficient to mitigate the risk of a cyber attack or cyber theft, and that such security measures might not protect against systems failures or interruptions; (xii) legislative or regulatory changes that adversely affect the Company's business, including, without limitation, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and its implementing regulations, the overdraft protection regulations and customers' responses thereto and the Tax Cuts and Jobs Act of 2017; (xiii) changes in accounting principles, policies or guidelines; (xiv) monetary and fiscal policies of the Federal Reserve Board and the U.S. Government and other governmental initiatives affecting the financial services industry; (xv) results of examinations of the Company and the Bank by their regulators, including the possibility that the regulators may, among other things, require the Company to limit its business activities, changes its business mix, increase its allowance for loan losses, write-down assets or increase its capital levels, or affect its ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; (xvi) costs and effects of litigation, including settlements and judgments; and (xvii) 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>

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<div style="MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 9pt/9.1pt Arial, 'sans-serif'">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 style="MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/9.1pt Arial, 'sans-serif'">&#160;</div>

<div style="MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/9.1pt Arial, 'sans-serif'">&#160;</div>

<div style="MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/9.1pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">13</font></div>

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<div style="MARGIN-TOP: 12pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/9.1pt Arial, 'sans-serif'">&#160;</div>

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</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">The following tables set forth certain selected consolidated financial information of the Company at the dates and for the periods indicated.&#160; Financial data at all the dates and 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 at and for such unaudited dates and periods have been included.&#160; The results of operations and other data for the three months and years ended December 31, 2017 and 2016, and the three months ended September 30, 2017, are not necessarily indicative of the results of operations which may be expected for any future period.</div>

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<table id="z3db12e9de1da4ab19ddd06d87b373d3d" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 70%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;Selected Financial Condition Data:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(In thousands)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total assets</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,414,521</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,550,663</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Loans receivable, gross</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,769,294</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,802,235</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Allowance for loan losses</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">36,492</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">37,400</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Other real estate owned, net</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">22,002</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">32,658</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Available-for-sale securities, at fair value</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">179,179</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">213,872</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Deposits</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,597,144</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,677,230</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total borrowings</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">324,097</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">416,786</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -45pt">Total common stockholders' equity</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">471,662</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">429,806</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 64%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Non-performing assets (excluding FDIC-assisted </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; transaction assets)</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">27,830</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">&#160;</td>
<td style="WIDTH: 15%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,330</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 10.25pt">
</div>

<table id="z22c41c05ea2c47f2ab3293a8a24219af" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Year Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">September 30,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom; 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, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Selected Operating Data:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="18">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands, except per share data)</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">46,537</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">46,936</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">183,061</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">185,175</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">46,368</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Interest expense</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,264</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">6,688</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">27,905</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">22,119</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,087</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="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,273</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">40,248</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">155,156</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">163,056</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,281</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Provision for loan losses</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,950</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,380</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9,100</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9,281</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,950</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,374</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,528</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">38,527</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">28,510</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,655</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-interest expense</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">29,284</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">29,041</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">114,261</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">120,427</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">28,034</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,207</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,561</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">18,758</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,516</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,289</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="WIDTH: 35%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 30.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -9pt">Net income and 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,206</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,794</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">51,564</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">45,342</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,663</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: 35%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 10.25pt">
</div>

<table id="zf6f559bdc1144a17a02f720ba6b947b6" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">At or For the Three</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Months Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">At or For the</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Year Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">At or For the</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Ended</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">September 30,</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom; 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, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Per Common Share:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="18">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands, except per share data)</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.65</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.21</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">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="WIDTH: 35%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">33.48</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">30.77</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">33.48</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">30.77</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">32.90</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: 35%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Earnings Performance Ratios:</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Annualized return on average assets</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.10</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.05</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.16</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.04</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.05</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54.7pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -41.75pt">Annualized return on average</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54.7pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -41.75pt">&#160;&#160;&#160;&#160;&#160;&#160;common stockholders' equity</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10.37</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10.98</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11.32</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10.93</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10.09</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Net interest margin</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.75</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.87</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.74</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4.05</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.77</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Average interest rate spread</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.58</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.74</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.59</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.93</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.60</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Efficiency ratio</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">62.78</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">60.78</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">58.99</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">62.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">59.73</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-interest expense to average total assets</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2.63</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2.59</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2.56</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2.76</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2.52</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="20">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify; LINE-HEIGHT: 10.25pt">Asset Quality Ratios:</div>
</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -41.4pt">&#160;&#160;&#160;&#160;&#160;&#160;(excluding covered/previously covered 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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.01</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.04</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.01</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1.04</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.99</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -41.4pt">Non-performing assets to period-end assets</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.63</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.63</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.73</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Non-performing loans to period-end 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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.30</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.37</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.30</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.37</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.25</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -41.4pt">Annualized net charge-offs to average 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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.18</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.22</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.26</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.29</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.35</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>
</table>

<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'">&#160;</div>

<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">14</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" noshade="noshade">
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<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 10.25pt">
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<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 10.25pt">
</div>

<div style="MARGIN-BOTTOM: 0.95pt; COLOR: #000000; FONT: 11pt/10.25pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 10.25pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Great Southern Bancorp, Inc. and Subsidiaries</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Consolidated Statements of Financial Condition</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">(In thousands, except number of shares)</div>

<div style="COLOR: #000000; FONT: 11pt/11.4pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 11.4pt">
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<table id="zcc1aa53032c34055867b3844bfcc9519" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; 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, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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: top; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">September 30,</div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt">Assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Cash</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">115,600</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">120,203</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">112,145</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Interest-bearing deposits in other financial institutions</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">126,653</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">159,566</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">144,527</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="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Cash and cash equivalents</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">242,253</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">279,769</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">256,672</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Available-for-sale securities</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">179,179</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">213,872</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">183,968</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Held-to-maturity securities</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">130</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">247</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">130</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Mortgage loans held for sale</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">8,203</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,445</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,133</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Loans receivable (1), net of allowance for loan losses of $36,492 &#8211; </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; December 2017; $37,400 &#8211; December 2016; $36,243 &#8211; September </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; 2017</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,726,302</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,759,966</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,800,988</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">FDIC indemnification asset</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">13,145</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Interest receivable</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,338</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,875</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,206</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Prepaid expenses and other assets</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">47,122</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">45,649</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">42,762</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Other real estate owned (2), net</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">22,002</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">32,658</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">30,116</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Premises and equipment, net</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">138,018</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">140,596</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">137,537</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Goodwill and other intangible assets</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10,850</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,500</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,263</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank stock</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">11,182</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">13,034</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">13,282</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Current and deferred 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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,942</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10,907</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">13,554</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="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Assets</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,414,521</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,550,663</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,512,611</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: 61%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt">Liabilities and Stockholders' Equity</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -21.6pt">Liabilities</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Deposits</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,597,144</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,677,230</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,598,213</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank advances</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">127,500</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">31,452</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">174,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 21.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -12.6pt">Securities sold under reverse repurchase agreements with customers</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">80,531</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">113,700</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">130,934</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Short-term borrowings</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,604</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">172,323</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">22,665</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Subordinated debentures issued to capital trust</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">25,774</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">25,774</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">25,774</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Subordinated notes</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">73,688</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">73,537</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">73,651</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accrued interest payable</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,904</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,723</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,693</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -30.6pt">Advances from borrowers for taxes and insurance</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,319</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,643</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">8,825</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accounts payable and accrued 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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">13,395</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">19,475</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">14,736</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="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Liabilities</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,942,859</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,120,857</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,050,491</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="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -21.6pt">Stockholders' Equity</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Capital stock</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; issued and outstanding December 2017, December 2016 and </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; September 2017 &#8211; -0- shares</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; issued and outstanding December 2017 &#8211; 14,087,533 shares; </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; December 2016 &#8211; 13,968,386 shares; September 2017 &#8211; </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 32.4pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; 14,044,910 shares</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">141</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">140</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">140</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Additional paid-in capital</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">28,203</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">25,942</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">27,384</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Retained earnings</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">442,077</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">402,166</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">432,691</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Accumulated other comprehensive gain</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,241</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,558</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,905</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="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Stockholders' Equity</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">471,662</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">429,806</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: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">462,120</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="WIDTH: 61%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 61%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -30.6pt">Total Liabilities and Stockholders' Equity</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,414,521</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,550,663</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,512,611</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/11.4pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 11.4pt">
</div>

<table id="z54eb1f69135945969ed25e467ce68faf" style="FONT-SIZE: 12pt; BORDER-TOP: medium none; FONT-FAMILY: 'Times New Roman', Times, serif; BORDER-RIGHT: medium none; WIDTH: 100%; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 3.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt; MARGIN-RIGHT: 1.5pt">(1)</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 96.21%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt; MARGIN-RIGHT: 36pt">At December 31, 2017, December 31, 2016 and September 30, 2017, includes loans, net of discounts, totaling $-0-, $134.4 million and $-0-, respectively, which were subject to FDIC support through loss sharing agreements.&#160; At December 31, 2017, December 31, 2016 and September 30, 2017, respectively, also includes $155.2 million, $72.6 million and $165.6 million of loans, net of discounts, acquired in FDIC-assisted transactions for which the loss sharing agreements were terminated, or loss sharing agreements had already expired.&#160; In addition, as of December 31, 2017, December 31, 2016, and September 30, 2017, includes $54.4 million, $76.2 million and $61.5 million,&#160; 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>

<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 3.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt; MARGIN-RIGHT: 1.5pt">(2)</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 96.21%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt; MARGIN-RIGHT: 36pt">At December 31, 2017, December 31, 2016, and September 30, 2017 includes foreclosed assets, net of discounts, totaling $-0- million, $1.4 million, and&#160;$-0-, respectively, which were subject to FDIC support through loss sharing agreements. At December 31, 2017, December 31, 2016 and September 30, 2017, respectively, also includes $2.1 million, $316,000 and $2.9 million of foreclosed assets, net of discounts, acquired in FDIC-assisted transactions, for which the loss sharing agreements were terminated.&#160; At December 31, 2017, December 31, 2016, and September 30, 2017, includes $1.7 million, $2.0 million, and $1.8 million, respectively, net of discounts, of foreclosed assets related to the Valley Bank transaction, which are not covered by an FDIC loss sharing agreement.&#160; In addition, at December 31, 2017, December 31, 2016, and September 30, 2017, includes $1.6 million, $3.7 million, and $2.1 million, respectively, of properties which were not acquired through foreclosure, but are held for sale.</div>
</td>
</tr>
</table>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">15</font></div>

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

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Great Southern Bancorp, Inc. and Subsidiaries</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Consolidated Statements of Income</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">(In thousands, except per share data)</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="z0305412bf6b649ea8b5fe5769bfbd6e8" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Year Ended</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">September 30,</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt">Interest Income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">44,920</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">45,423</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">176,654</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">178,883</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">44,824</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">1,617</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, sans-serif; LINE-HEIGHT: 10.25pt">1,513</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, sans-serif; LINE-HEIGHT: 10.25pt">6,407</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, sans-serif; LINE-HEIGHT: 10.25pt">6,292</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, sans-serif; LINE-HEIGHT: 10.25pt">1,544</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="WIDTH: 40%; 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, sans-serif; LINE-HEIGHT: 10.25pt">46,537</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, sans-serif; LINE-HEIGHT: 10.25pt">46,936</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, sans-serif; LINE-HEIGHT: 10.25pt">183,061</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, sans-serif; LINE-HEIGHT: 10.25pt">185,175</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, sans-serif; LINE-HEIGHT: 10.25pt">46,368</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Interest Expense</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Deposits</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,495</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,907</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">20,595</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">17,387</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,131</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Federal Home Loan Bank advances</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">471</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">259</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,516</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,214</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">546</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Short-term borrowings and repurchase agreements</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">85</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">201</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">747</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,137</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">118</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Subordinated debentures issued to capital trust</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">189</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">230</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">803</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">267</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Subordinated notes</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, sans-serif; LINE-HEIGHT: 10.25pt">1,024</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, sans-serif; LINE-HEIGHT: 10.25pt">1,091</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, sans-serif; LINE-HEIGHT: 10.25pt">4,098</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, sans-serif; LINE-HEIGHT: 10.25pt">1,578</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, sans-serif; LINE-HEIGHT: 10.25pt">1,025</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="WIDTH: 40%; 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, sans-serif; LINE-HEIGHT: 10.25pt">7,264</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, sans-serif; LINE-HEIGHT: 10.25pt">6,688</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, sans-serif; LINE-HEIGHT: 10.25pt">27,905</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, sans-serif; LINE-HEIGHT: 10.25pt">22,119</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, sans-serif; LINE-HEIGHT: 10.25pt">7,087</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,273</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">40,248</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">155,156</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">163,056</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,281</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">1,950</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, sans-serif; LINE-HEIGHT: 10.25pt">2,380</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, sans-serif; LINE-HEIGHT: 10.25pt">9,100</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, sans-serif; LINE-HEIGHT: 10.25pt">9,281</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, sans-serif; LINE-HEIGHT: 10.25pt">2,950</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="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Net Interest Income After</font>&#160;<font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; 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, sans-serif; LINE-HEIGHT: 10.25pt">37,323</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, sans-serif; LINE-HEIGHT: 10.25pt">37,868</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, sans-serif; LINE-HEIGHT: 10.25pt">146,056</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, sans-serif; LINE-HEIGHT: 10.25pt">153,775</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, sans-serif; LINE-HEIGHT: 10.25pt">36,331</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Noninterest 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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 9.9pt; TEXT-INDENT: -30.6pt">Commissions</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">190</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">334</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,041</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,097</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">279</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Service charges and ATM fees</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,432</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,465</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">21,628</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">21,666</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,533</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Net gains on loan sales</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">808</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">879</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,150</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,941</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">719</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 11px">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Net realized gains on sales of available-for-sale </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; securities</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(9</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,873</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Late charges and fees on 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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">308</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">432</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,231</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,747</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">436</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 4px">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Net change in interest rate swap fair value</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">32</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">245</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">28</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">66</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">8</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">Accretion (amortization) of income related to </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 20.15pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160; business acquisitions</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(848</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">7,219</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">(6,935</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">)</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">&#8212;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">604</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, sans-serif; LINE-HEIGHT: 10.25pt">1,030</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, sans-serif; LINE-HEIGHT: 10.25pt">3,230</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, sans-serif; LINE-HEIGHT: 10.25pt">4,055</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, sans-serif; LINE-HEIGHT: 10.25pt">680</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="WIDTH: 40%; 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, sans-serif; LINE-HEIGHT: 10.25pt">7,374</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, sans-serif; LINE-HEIGHT: 10.25pt">7,528</div>
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<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, sans-serif; LINE-HEIGHT: 10.25pt">38,527</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, sans-serif; LINE-HEIGHT: 10.25pt">28,510</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, sans-serif; LINE-HEIGHT: 10.25pt">7,655</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Noninterest Expense</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Salaries and employee benefits</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">15,539</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">14,706</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">60,034</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">60,377</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">14,664</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Net occupancy expense</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">6,194</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">6,521</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">24,613</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">26,077</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">6,079</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Postage</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">810</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">910</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,461</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,791</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">845</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Insurance</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">659</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">539</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,959</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,482</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">755</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Advertising</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">654</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">461</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,311</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,228</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">587</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Office supplies and printing</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">237</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">273</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,446</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,708</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">279</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Telephone</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">799</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">834</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,188</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,483</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">790</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Legal, audit and other professional fees</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">872</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">791</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">2,862</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,191</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">610</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Expense on foreclosed assets</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,334</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,027</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,929</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,111</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,343</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Partnership tax credit</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">217</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">420</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">930</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,681</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">217</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -30.6pt">Acquired deposit intangible asset amortization</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">412</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">412</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,650</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">1,910</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">412</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">1,557</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, sans-serif; LINE-HEIGHT: 10.25pt">2,147</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, sans-serif; LINE-HEIGHT: 10.25pt">6,878</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, sans-serif; LINE-HEIGHT: 10.25pt">8,388</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, sans-serif; LINE-HEIGHT: 10.25pt">1,453</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="WIDTH: 40%; 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, sans-serif; LINE-HEIGHT: 10.25pt">29,284</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, sans-serif; LINE-HEIGHT: 10.25pt">29,041</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, sans-serif; LINE-HEIGHT: 10.25pt">114,261</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, sans-serif; LINE-HEIGHT: 10.25pt">120,427</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, sans-serif; LINE-HEIGHT: 10.25pt">28,034</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Income Before Income Taxes</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">15,413</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,355</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">70,322</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">61,858</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">15,952</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">3,207</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, sans-serif; LINE-HEIGHT: 10.25pt">4,561</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, sans-serif; LINE-HEIGHT: 10.25pt">18,758</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, sans-serif; LINE-HEIGHT: 10.25pt">16,516</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, sans-serif; LINE-HEIGHT: 10.25pt">4,289</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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Net Income and 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,206</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">11,794</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">51,564</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">45,342</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, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">11,663</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="z28ba3f75c75947c0abd088c01a74a9ea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 3.6pt">Earnings Per Common Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</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="VERTICAL-ALIGN: top" valign="bottom" colspan="2">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.87</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">0.85</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.69</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">3.26</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, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">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="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.86</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.65</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">3.21</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, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">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="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt; 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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.24</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.94</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">0.88</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, sans-serif; LINE-HEIGHT: 10.25pt">$</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, sans-serif; LINE-HEIGHT: 10.25pt">0.24</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">16</font></div>

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

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
 &#160;</div>

<div style="COLOR: #000000; TEXT-ALIGN: center; FONT: 11pt/12.55pt Arial, 'sans-serif'">Average Balances, Interest Rates and Yields</div>

<div style="COLOR: #000000; FONT: 11pt/11.4pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 11.4pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">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; Net fees included in interest income were $0.6 million and $1.4 million for the three months ended December 31, 2017 and 2016, respectively.&#160; Net fees included in interest income were $2.9 million and $5.0 million for the years ended December 31, 2017 and 2016, 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="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="z5792706edd564dfbbd22b20fe8bef834" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2017<sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(1)</sup></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; 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: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">Three Months Ended</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">December 31, 2017</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; 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: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">Three Months Ended</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">December 31, 2016</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="26">
<div style="TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="HEIGHT: 11px">
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Loans receivable:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">441,726</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5,217</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.69</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">516,221</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6,572</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.06</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.51</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">745,501</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">8,593</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">664,556</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">7,459</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.47</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Commercial real estate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.42</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,246,065</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">13,957</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.44</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,210,617</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">14,031</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.61</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Construction</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.40</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">510,241</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6,197</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.82</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">355,167</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,059</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.55</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Commercial business</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.71</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">293,668</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,507</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">300,212</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,211</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6.04</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">576,211</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">7,059</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.86</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">710,316</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">8,651</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.85</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Industrial revenue bonds</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.20</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">24,482</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">390</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6.32</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">28,028</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">440</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6.24</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total loans receivable</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,837,894</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">44,920</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.64</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,785,117</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">45,423</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.77</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Investment securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.95</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">194,570</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,239</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.53</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">219,905</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,379</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.49</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Other interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.44</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">118,055</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">378</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.27</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">130,541</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">134</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.41</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.56</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,150,519</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">46,537</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.45</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,135,563</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">46,936</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.52</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Non-interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Cash and cash equivalents</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">104,465</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">112,530</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other non-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">201,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">228,881</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,456,777</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,476,974</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Interest-bearing demand and</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 10.25pt">savings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.32</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,567,416</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,281</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.32</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,520,053</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,039</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.27</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Time deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.24</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,379,022</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,214</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.21</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,500,064</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,868</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.03</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Total deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.75</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2,946,438</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5,495</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,020,117</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,907</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.65</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.5pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.5pt">&#160;&#160;Short-term borrowings and repurchase agreements</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">127,798</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">85</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.26</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">243,925</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">201</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.33</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">&#160;&#160;Subordinated debentures issued to</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">capital trust</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.98</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">189</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.91</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">230</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.55</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt">&#160;&#160;Subordinated notes</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">73,670</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,024</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.51</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">73,515</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,091</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.90</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;FHLB advances</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.53</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">138,516</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">471</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.35</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">31,462</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">259</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.27</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total interest-bearing liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.89</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,312,196</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">7,264</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.87</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,394,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6,688</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.78</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Non-interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Demand deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">648,788</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">622,220</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">24,782</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">30,168</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,985,766</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,047,181</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">471,011</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">429,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total liabilities and stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,456,777</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,476,974</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net interest income:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest rate spread</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">39,273</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">40,248</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net interest margin*</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.75</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.87</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt">Average interest-earning assets to average interest-bearing liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 9%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">125.3</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">121.8</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">______________</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 7pt/8pt Arial, 'sans-serif'">*Defined as the Company's net interest income divided by average total interest-earning assets.</div>

<table id="zd5bb8f72a2674536985920d93e3e27fa" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 3.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">(1)</div>
</td>
<td style="WIDTH: 96.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">The yield on loans at December 31, 2017, 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 December 31, 2017.</div>
</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">17</font></div>

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

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 8pt">
 &#160;</div>

<table id="z0f8ee574d17b45e3b5f965bdd2c4b395" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr style="HEIGHT: 27px">
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31, 2017<sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(1)</sup></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; 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: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">Year Ended</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">December 31, 2017</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; 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: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">Year Ended</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">December 31, 2016</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Average</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Yield/Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Balance</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Interest</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Rate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="26">
<div style="TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands)</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Loans receivable:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;One- to four-family residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.16</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">459,227</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">22,102</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.81</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">538,776</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">28,674</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.32</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other residential</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.51</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">706,217</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">31,970</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.53</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">535,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,052</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.68</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Commercial real estate</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.42</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,240,017</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">54,911</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.43</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,146,983</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">53,516</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Construction</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.40</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">454,907</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">21,099</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.64</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">394,051</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">18,059</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.58</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Commercial business</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.71</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">295,379</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">14,666</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.97</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">316,526</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">17,389</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.49</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other loans</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6.04</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">632,968</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">30,356</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.80</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">693,550</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">34,176</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.93</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Industrial revenue bonds</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.20</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,845</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,550</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">6.00</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">33,681</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2,017</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.99</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total loans receivable</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,814,560</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">176,654</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.63</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,659,360</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">178,883</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.89</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Investment securities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.95</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">207,803</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5,195</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.50</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">249,484</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5,741</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Other interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.44</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">121,604</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,212</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.00</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">116,812</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">551</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.47</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total interest-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.56</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,143,967</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">183,061</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.42</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,025,656</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">185,175</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.60</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Non-interest-earning assets:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Cash and cash equivalents</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">103,505</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">108,593</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other non-earning assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">212,724</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">236,544</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total assets</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,460,196</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,370,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Interest-bearing demand and</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 10.25pt">savings</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.32</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,555,375</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,698</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,496,837</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,888</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.26</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Time deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.24</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,414,189</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">15,897</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.12</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,370,935</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">13,499</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.98</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Total deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.75</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2,969,564</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">20,595</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.69</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2,867,772</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">17,387</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.61</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.5pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.5pt">&#160;&#160;Short-term borrowings and repurchase agreements</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.30</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">186,364</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">747</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.40</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">327,658</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,137</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.35</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt"><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">&#160;&#160;Subordinated debentures issued to</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif"><br>
</font><font style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'">capital trust</font></div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">2.98</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">949</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.68</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">25,774</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">803</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.12</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt">&#160;&#160;Subordinated notes</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">73,613</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,098</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.57</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">28,526</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,578</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">5.53</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;FHLB advances</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.53</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">93,524</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,516</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.62</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">68,325</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1,214</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">1.78</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total interest-bearing liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.89</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,348,839</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">27,905</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.83</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,318,055</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">22,119</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">0.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Non-interest-bearing liabilities:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Demand deposits</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">629,015</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">608,115</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;Other liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">26,638</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">29,824</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,004,492</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3,955,994</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">455,704</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">414,799</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">&#160;&#160;&#160;&#160;&#160;Total liabilities and stockholders' equity</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,460,196</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4,370,793</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net interest income:</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Interest rate spread</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.67</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">155,156</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.59</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">163,056</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.93</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">Net interest margin*</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">3.74</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">4.05</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 29%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 13.8pt; LINE-HEIGHT: 10.25pt; TEXT-INDENT: -13.8pt">Average interest-earning assets to average interest-bearing liabilities</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 8%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">123.7</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="LINE-HEIGHT: 10.25pt">121.3</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; 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, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 7%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, 'sans-serif'; WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">______________</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 7pt/8pt Arial, 'sans-serif'">*Defined as the Company's net interest income divided by average total interest-earning assets.</div>

<table id="z921227501ae6440aaa1ec32c6221856f" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 3.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">(1)</div>
</td>
<td style="WIDTH: 96.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM-COLOR: ">
<div style="FONT-SIZE: 7pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">The yield on loans at December 31, 2017, 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 year ended December 31, 2017.</div>
</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 8pt">
</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, 'sans-serif'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">18</font></div>

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

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'">&#160;</div>

<div style="COLOR: #000000; FONT: 11pt/8pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 8pt">
 &#160;</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/12.55pt Arial, 'sans-serif'"><u>NON-GAAP FINANCIAL MEASURES</u></div>

<div style="MARGIN-TOP: 6.3pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States ("GAAP"). These non-GAAP financial measures include core net interest income, core net interest margin and the ratio of tangible common equity to tangible assets.</div>

<div style="MARGIN-TOP: 6.3pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">We calculate core net interest income and core net interest margin by subtracting the impact of adjustments regarding changes in expected cash flows related to pools of loans we acquired through FDIC-assisted transactions from reported net interest income and net interest margin. Management believes that core net interest income and core net interest margin are useful in assessing the Company's core performance and trends, in light of the fluctuations that can occur related to updated estimates of the fair value of the loan pools acquired in the 2009, 2011, 2012 and 2014 FDIC-assisted transactions.</div>

<div style="MARGIN-TOP: 6.3pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">In calculating the ratio of tangible common equity to tangible assets, we subtract period-end intangible assets from common equity and from total assets.&#160; Management believes that the presentation of these measures excluding the impact of intangible assets provides useful supplemental information that is helpful in understanding our financial condition and results of operations, as they provide a method to assess management's success in utilizing our tangible capital as well as our capital strength.&#160; Management also believes that providing measures that exclude balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our performance with the performance of our peers.&#160; In addition, management believes that these are standard financial measures used in the banking industry to evaluate performance.</div>

<div style="MARGIN-TOP: 6.3pt; COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/11.4pt Arial, 'sans-serif'">These non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP financial measures. Because not all companies use the same calculation of non-GAAP measures, this presentation may not be comparable to other similarly titled measures as calculated by other companies.</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/10.25pt Arial, 'sans-serif'">Non-GAAP Reconciliation:&#160; Core Net Interest Income and Core Net Interest Margin</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="za5a1bcc10b064980ac377d9ee561e236" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Three Months Ended</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">Year Ended</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands)</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="14">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Reported net interest income / margin</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">39,273</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.75</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">40,248</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.87</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">155,156</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.74</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">163,056</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4.05</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -4.5pt">Less:&#160; Impact of loss share adjustments</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">776</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.07</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3,142</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.30</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">5,014</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.12</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">16,393</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: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">0.41</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="WIDTH: 28%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Core net interest income / margin</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">38,497</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.68</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">37,106</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.57</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, sans-serif; LINE-HEIGHT: 10.25pt">%</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">150,142</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.62</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">146,663</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">3.64</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, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 6%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="COLOR: #000000; TEXT-ALIGN: left; FONT: 11pt/10.25pt Arial, 'sans-serif'">Non-GAAP Reconciliation:&#160; Ratio of Tangible Common Equity to Tangible Assets</div>

<div style="COLOR: #000000; FONT: 11pt/12.55pt Arial, 'sans-serif'"><br style="LINE-HEIGHT: 12.55pt">
</div>

<table id="z8cc35dd35c524a48a06bd600ef3b7384" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 60%; LINE-HEIGHT: 10.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</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="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">December 31,</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 54%; 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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2017</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="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">2016</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="WIDTH: 54%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center; LINE-HEIGHT: 10.25pt">(Dollars in thousands)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Common equity at period end</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">471,662</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">429,806</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -4.5pt">Less:&#160; Intangible assets at period end</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: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10,850</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: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,500</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="WIDTH: 54%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Tangible common equity at period end&#160; (a)</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">460,812</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">417,306</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: 54%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Total assets at period end</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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,414,521</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,550,663</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10,850</div>
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<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: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">12,500</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Tangible assets at period end (b)</div>
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<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, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
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<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,403,671</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">$</div>
</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">4,538,163</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: 54%; VERTICAL-ALIGN: bottom" valign="bottom">&#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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 54%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">Tangible common equity to </div>

<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; LINE-HEIGHT: 10.25pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -5.4pt">&#160;&#160;&#160; tangible assets (a) / (b)</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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">10.46</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, sans-serif; LINE-HEIGHT: 10.25pt">%</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">&#160;</td>
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 9pt; FONT-FAMILY: Arial, sans-serif; LINE-HEIGHT: 10.25pt">9.20</div>
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<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, sans-serif; LINE-HEIGHT: 10.25pt">%</div>
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<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
